Privacy Rights

Embezzler’s tax credit prompts changes

Embezzler's tax credit prompts changes State: Conduct company officers' background checks Updated: Thursday, 18 Mar 2010, 6:46 PM EDT Published : Thursday, 18 Mar 2010, 12:40 PM EDT By Tony Tagliavia LANSING, Mich. (WOOD) -   ...

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Charlie Sheen charged with Felony, Two Misdemeanors

Booking photo ASPEN, Colo. (Reuters) -  Actor Charlie Sheen was charged on Monday with three crimes including felony menacing stemming from an assault on his wife Brooke Mueller in a heated Christmas Day argument. Sheen, 44, the star of t...

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Five Interesting Identity Theft Stories From 2009

While many identity theft cases have been reported on this website during the past year, there are a few stories that rise above the others in terms of uniqueness and how they impacted the ongoing debate on how to combat identity theft. Here are five interesting identity theft stories from 2009:

• May 2009: As if finding work in tough economic times wasn’t already hard enough, this story from WHAS-TV Channel 11 in Louisville, Kentucky showed how a jobseeker named Michael Anderson discovered first-hand how identity theft can turn the dream of landing a job into a nightmare. Unfortunately for Anderson, another man with the same name, date of birth, and social security number kept showing up when potential employers ran pre-employment criminal background checks – and this OTHER Michael Anderson had an extensive criminal record that included indecent behavior with a juvenile and assault. As a result, no one would hire him.
• July 2009: In what has to be one of the longest cases of identity theft on record, the Associated Press (AP) reported the shocking story of Tom Lesh, 66, of Coos Bay, Oregon, who had suffered from identity theft for 35 years – in other words, over half of his life. Lesh said he has known since the 1970s that his identity was stolen by a friend of his brother and he had spent, in his words, “thousands of hours” over the decades since repeatedly trying to clear his name and correct his financial records and credit history by writing letters to credit card companies, banks, and government agencies – and even appealing to the alleged identity thief’s mother for help.
• August 2009: In case there are still those who believe identity theft only happens to people with little or no financial acumen when it comes to matters of money, an exclusive report from Newsweek revealed that the nation's chief banker and the man credited by some with saving the world from another Great Depression, Federal Reserve Board Chairman Ben Bernanke, was just one of the hundreds of victims of a sophisticated identity theft ring that stole over $2 million from consumers and financial institutions across the country, proving identity theft can happen to anyone.
• September 2009: A report by the Seattle Times showed that identity theft victims could strike back at criminals who steal their identities by telling the story of how Michelle McCambridge, a 23-year-old retail store clerk and college student, helped bring down an identity theft ring after a chance face to face meeting with the woman who stole her identity. The fast thinking McCambridge had the store security cameras zoom in on a fake ID the identity thief was presenting with another woman's name, an action which set in motion a federal investigation that ultimately brought down an identity theft ring.
• October 2009: An article on the website for the Lexington, Nebraska newspaper The Lexington Clipper-Herald tells the story of an identity theft victim who ended up in jail twice for a crime he didn't commit, once after being robbed and calling the police for help. Joe Salazar, 38, of Omaha, Nebraska, spent a night in jail after calling the police to report a burglary at his home, and he also spent two weeks in jail – including last Christmas and New Year's Day – after being pulled over for speeding, all because the identity theft victim had an arrest warrant for failing to appear for sentencing in a drug case meant for an identity thief using Salazar's name.

These are just a few of the literally millions of stories about identity theft. According to Javelin Strategy & Research, identity theft and fraud increased 22 percent in 2008, affecting nearly ten million Americans. Overall, approximately 1.8 million more adults fell victim to identity fraud in 2008 as compared to 2007, the first year-over-year increase since Javelin began collecting data in 2004.

To help protect against identity theft, “personal” background checks – where people perform background checks on themselves – can ensure that personal information is current, accurate, and secure. While many background check firms only service businesses, MyBackgroundCheck.com – a pioneer in consumer requested and applicant supplied background checks – offers individuals affordable “personal” background check services. Over one million individuals have purchased background checks through MyBackgroundCheck.com.

For more information about personal background checks, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. Follow us on Twitter at www.twitter.com/MyBackgroundChk.

pr@mybackgroundcheck.com

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Medical Identity Theft Rising During the Recession

An article from the Wall Street Journal (WSJ) online – “Patient ID Theft Rises” – states that medical identity theft is on the rise and expected to get worse as more people left uninsured after losing jobs in the recession use the coverage of friends, relatives, and even complete strangers to attain health care.

According to the WSJ article, medical identity theft – which occurs when someone uses another person's identity to obtain or make false claims for medical services or goods – is the fastest-growing form of identity theft, and the majority of the fraud is committed using patient information purchased from medical workers.

The WSJ also reports that the largest increases in medical identity theft are in retiree-heavy states such as Arizona, California, Florida, New York, and Texas. Two examples of medical identity theft are cited in the article:

• A clerk at a medical clinic in Florida gave the personal information of over 1,000 Medicare patients and to a relative who then made almost $3 million in false Medicare claims.
• A man in Pennsylvania discovered that his identity was used by another person at five hospitals in order to receive more than $100,000 in medical treatments in his name.

Even more troubling than the financial consequences of unpaid medical bills, medical identity theft can leave the identity theft victim’s medical files riddled with incorrect information concerning blood type, allergic reactions to medicines, and overall medical history, the WSJ reports.

The best approach for consumers in dealing with medical identity theft, according to the nonprofit World Privacy Forum, is to request copies of medical records when going to the doctor in order to have accurate records on hand to rebuild medical files if medical identity theft should strike.

Keeping a close watch on ALL personal information – from medical files to credit reports to criminal records – is a good way for patients, consumers, and jobseekers to ensure that all personal data is up-to-date, accurate, and secure from all forms of identity theft.

MyBackgroundCheck.com is a leading provider of consumer requested “personal” background checks that allow consumers to keep their private information up-to-date, accurate, and safe from identity theft and fraud. To learn how personal background checks can help prevent medical identity theft, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. Follow MyBackgroundCheck.com on Twitter at www.twitter.com/MyBackgroundChk.

pr@mybackgroundcheck.com

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Consumers Warned about Identity Theft during Black Friday, Cyber Monday & Holiday Season

While “Black Friday” – the day after Thanksgiving – is known as the beginning of the holiday shopping season when retailers go from “red” (posting a loss) to “black” (turning a profit), online shoppers recognize “Cyber Monday” – the Monday after Black Friday – as the beginning of the online holiday shopping season.

However, Black Friday and Cyber Monday are also the beginning of the holiday season for cyber-criminals looking to commit identity theft and fraud. According to the 2009 State of the Net Survey from Consumer Reports, online scams that included identity theft and fraud cost consumers $8 billion over the past two years.

As a result, security technology company McAfee, Inc. is warning online shoppers about “The Twelve Scams of Christmas” that could lead to identity theft and fraud during Black Friday, Cyber Monday, and the rest of the holiday shopping season.

To protect themselves during Black Friday, Cyber Monday, and the holiday shopping season, McAfee offers consumers tips on how to avoid identity theft and fraud and steer clear of “The Twelve Scams of Christmas” that could make their holidays a little less happy. Each of the following are examples of ways cyber-criminals can trick consumers into giving away personal and financial information in order to commit identity theft, fraud, and other crimes:

1. Fake charity websites;
2. Fake delivery invoices;
3. Fake “New Friend Request” e-mails;
4. Holiday e-cards carrying computer viruses;
5. Fraudulent discount jewelry websites;
6. Unsecured, public area computers;
7. Fraudulent holiday-related websites;
8. Job-related e-mail scams;
9. Auction site fraud;
10. Password theft;
11. E-mail banking scams, and;
12. Ransomware scams.

In order to avoid identity theft, fraud, and other scams during Black Friday, Cyber Monday, and the rest of the holiday shopping season, McAfee advises online shoppers to protect their computers and personal information by: avoiding suspicious e-mail links; updating security software; shopping on secure networks; changing passwords, and; using common sense.

In other words, if a deal seems “too good to be true” during Black Friday, Cyber Monday, and the holiday season, it could lead to identity theft and fraud instead.

MyBackgroundCheck.com is a leading provider of consumer requested “personal” background checks that allow consumers to keep their private information up-to-date, accurate, and safe from identity theft and fraud. To learn how personal background checks can help prevent identity theft and fraud during Black Friday, Cyber Monday, and the holiday shopping season, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. Follow MyBackgroundCheck.com on Twitter at www.twitter.com/MyBackgroundChk.

pr@mybackgroundcheck.com

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CNN Report Shows Private Information Can Be Very Public Online

An eye-opening video report by CNN Homeland Security Correspondent Jeanne Meserve (watch here) shows just how public our supposedly private information can be online.

The CNN report cites two examples – one somewhat embarrassing and the other downright dangerous – about people who discovered that pictures they posted online had reached far more people than originally intended.

• A newly-married man posted intimate pictures of his Hawaiian wedding on social networking site Facebook to share with “friends,” but when he mentioned it on micro-blogging site Twitter, a link was attached that gave more than 3,000 “followers” access to the photos.
• A mother was horrified to find a picture of her young daughter that she posted on Flickr – an online photo sharing application – used in an improperly suggestive way on another website. When she posted a warning, strangers used the Internet to find her phone number and home address. 

To show how easily available information is online, CNN gave the mother’s name – with her permission – to a private investigator who specializes in harvesting information from the Internet; he found 100 pages of possible links in less than two minutes.

Of course, posted photos are just the tip of the iceberg that is data privacy in the Internet age. CNN reports that more and more Americans are making their private information public on sites like Facebook, MySpace, Twitter, and YouTube, and warns that any time users hit the "send" button, their information is no longer their own.

While many websites try to provide customers with the tools they need to protect their personal information, the bottom line is that people are going to have to deal with minimal privacy in the future, according to the CNN report, which concludes with the following advice: “Privacy is dead. Get over it.”

However, while privacy may be dead, more people are realizing that personal data – including personally identifiable information (PII) such as name, address, birthday, and social security number (SSN) – needs to be protected at all costs and at every moment. One way individuals can view their own personal data and make sure that the information is current, secure, and accurate is by performing a "personal" background check on themselves.

While most background check providers only service employers and companies, MyBackgroundCheck.com – the nation’s leader in consumer requested and applicant supplied background checks – is at the forefront of the growing movement empowering individuals to take control of their personal information through personal background checks that they may use as jobseekers, students, volunteers, and consumers worried about identity theft.

To learn more about personal background checks from MyBackgroundCheck.com, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 800-503-2364. To follow MyBackgroundCheck.com on Twitter, visit www.twitter.com/MyBackgroundChk.

pr@mybackgroundcheck.com

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Personal Information of Jobseekers Targeted for Identity Theft

For most jobseekers currently looking for work, the more exposure they get through resumes, applications, and networking – both online and off – the better their chances are of finding work.

Unfortunately, according to an article in the Contra Costa (CA) Times, exposing personally identifiable information (PII) such as names, addresses, dates of birth, social security numbers (SSNs) and driver’s license numbers also increases the chances of jobseekers suffering from identity theft.

The Contra Costa Times reports that the World Privacy Forum – a nonprofit, public interest research group – receives many phone calls each week from jobseekers who have been victimized by identity theft while searching for work, a problem that should only get worse in a bad economy.

According to the Federal Trade Commission (FTC), over 50,000 Californians reported being victimized by identity theft in 2008 – the second highest rate in the nation – and employment-related identity theft beat out credit-card fraud and accounting to rank first with 20 percent of all identity theft complaints to the FTC from the state. Overall, the damage caused by identity theft in 2008 was nearly $50 billion.
 
In the article, the World Privacy Forum offers several tips for jobseekers on preventing identity theft, including:

• Avoid vaguely worded job offers;
• Choose job search sites and resume databases with good privacy practices;
• Never put a SSN on your resume (federal or state jobs are exceptions) but provide it when at an interview or when asked permission for a background check;
• Don’t scan IDs or driver's licenses for a job offer, and;
• Post a resume directly on the Web site of the employer or company you wish to work for.

Another way for jobseekers to protect sensitive personal information from identity theft is by performing “personal” background checks on themselves to ensure their employment data is current, secure, and accurate. Besides protecting against identity theft, these background checks can also be used by jobseekers for employment purposes, since most employers these days – 80 percent according to the Society for Human Resources Management (SHRM) – require job applicants to undergo some type of pre-employment background check before hiring.

Where can jobseekers find "personal" background checks? While most background check firms only service employers, MyBackgroundCheck.com – the nation’s leading provider of applicant-supplied background checks – helps both jobseekers and potential employers keep personal information safe from identity theft during the pre-employment background check process.

For more information on how personal background checks can help protect jobseeker data from identity theft, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. Follow MybackgroundCheck.com on Twitter at www.twitter.com/MyBackgroundChk.

pr@mybackgroundcheck.com

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Jobseekers Rush to Clear Criminal Pasts for Background Checks in Bad Job Market

An article in The Wall Street Journal (WSJ) – “More Job Seekers Scramble To Erase Their Criminal Past” – reveals that many jobseekers looking for work in a tight job market are rushing to legally clear criminal records that would appear on pre-employment background checks that delve deeply into their sometimes checkered pasts.

According to statistics cited in the WSJ article, millions of American jobseekers fear their criminal pasts will show up on background checks. While over 50% of American men had been arrested in 1967, that figure is now an estimated 60% due to arrests made in connection with domestic violence and illegal drugs, with the annual number of arrests for possession of marijuana more than tripling to 1.8 million from 1980 to 2007, according to the U.S. Department of Justice (DOJ).

At the same time, the WSJ article notes that background checks have become more affordable and commonplace since the September 11 terrorist attacks, and more than 80% of companies performed background checks in 2006 compared with fewer than 50% in 1998, according to the Society for Human Resource Management (SHRM). In addition, the article asserts that background checks can help lessen employer liability from workplace theft – which cost retailers over $15 billion last year according to the National Retail Federation – and workplace violence that costs billions more in legal costs and lost work hours.

In the WSJ article, two men – both veterans – were used as examples of jobseekers with criminal pasts affecting current employment opportunities:

• An Air Force veteran was refused temporary employment because a background check by the temp agency turned up a 1986 conviction for aggravated assault with a deadly weapon (when threatened, he once pretended a silver brush was a knife). More than 20 years after a "no judgment" finding by the judge and a $60 fine, the man is still fighting to erase the arrest from criminal records and background checks.
• A veteran turned jobseeker back from Afghanistan after serving in the Army for 15 months was unable find work with the New York City Police Department because of a 2002 conviction of illegal possession of a gun found on a background check, this despite scoring in the 98th percentile on his civil-service exam. The man is now serving another overseas tour.

With unemployment is currently above 10% and potential employers choosing from the largest talent pool in decades, the WSJ article clearly shows that a growing number of American jobseekers hope to boost their odds in a tough job market with “clean” background checks by clearing their criminal records of minor crimes through legal means, a process known as “expungement” in which official records of minor crimes may be shredded, erased, sealed, or blocked from view.

Along with expungement, jobseekers can make sure that their information on their criminal records is current and accurate by running “personal” background checks on themselves to see what potential employers will see. By purchasing their own background checks, jobseekers take a pro-active step in their search for employment, stand out from the crowded field of applicants, and show potential employers that they have nothing to hide. While most background check companies focus only on employers, MyBackgroundCheck.com – a pioneer in consumer requested and applicant supplied background checks – offers jobseekers the opportunity to perform “personal” background checks on themselves to help them find employment in a tight job market.

To learn how personal background checks help jobseekers find work, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. To follow MyBackgroundCheck.com on Twitter, visit www.twitter.com/MyBackgroundChk.

tahearn@mybackgroundcheck.com  

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“Overzealous” Yankees Fans Throw Personal Data Instead of Confetti during Victory Parade

A report from ESPN.com reveals that while the New York Yankees were celebrating their record 27th World Series with a victory parade, some "overzealous" fans apparently got carried away and tossed unshreded documents containing sensitive personal data such as Social Security numbers out of windows instead of more traditional confetti.

An auditor attending the victory parade for the 2009 World Series champion Yankees told The New York Post he found unshredded documents containing sensitive personal data – including Social Security numbers, financial information, pay stubs, court files, and balance sheets – in the mountains of shredded paper tossed from skyscrapers by office workers as the baseball players rode through Manhattan.

The founder of one financial firm said his company had reprimanded one “overzealous” employee for throwing records containing personal data out the window that should have been shredded, ESPN.com and the Post reported, and he was just one of several fans who apparently began tossing files containing personal data out windows when they couldn't get their hands on regular confetti.

While one can understand the enthusiasm of the crowd, personal data and the privacy of individuals should be protected at all times by companies to help prevent identity theft and fraud – even during a victory parade.

MyBackgroundCheck.com – a pioneer in consumer requested background checks – helps individuals perform “personal” background checks on themselves to keep the personal data contained in their criminal background checks current, secure, and accurate. For more information on personal background checks help protect personal data, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. Follow MyBackgroundCheck.com on Twitter at www.twitter.com/MyBackgroundChk.

tahearn@mybackgroundcheck.com

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So-Called “Free” Credit Reports May End Up Costing Consumers Money

An article in the New York Times, “A Free Credit Score Followed by a Monthly Bill”, points out the simple irony of a website called FreeCreditReport.com – best known for its entertaining television commercials featuring a band consisting of three slacker friends singing songs about ruined credit report scores while waiting tables dressed as pirates or performing at a Renaissance Faire – that may not actually be free and could charge customers $14.95 per month.

According to IMPORTANT INFORMATION on the FreeCreditReport.com website, when consumers order their free credit report they also begin a free trial membership with a credit report monitoring service and will be billed $14.95 every month if they don't cancel the membership within a 7-day trial period. The website also discloses that, “under a new Federal law” (the Fair and Accurate Credit Transactions Act, or FACTA, of 2003), consumers have the right to receive a free copy of their credit report once every 12 months from each of the three nationwide consumer reporting companies – Experian (which owns FreeCreditReport.com), Equifax, and TransUnion – and to request their free annual credit reports consumers must go to www.AnnualCreditReport.com.

Even with information about free credit reports available, credit report monitoring services are approaching one billion dollars in sales with nine million people spending between $650 million to $700 million annually, according to the Times article. To end the confusion over free credit reports, the Times reports that the Federal Trade Commission (FTC) has tried for years to get Experian to follow disclosure requirements for its “free credit report” ads and even asked Experian to give it the FreeCreditReport.com URL, but to no avail. So the FTC created its own site at FreeCreditReport.gov that includes videos spoofing the FreeCreditReport.com commercials.

Most recently, Senator Charles E. Schumer (D - NY), issued a news release asking the FTC to force FreeCreditReport.com and other companies like it to give away the credit report before asking for customers’ credit card numbers to make clear to consumers that the sites intended to charge them for credit report monitoring and not to confirm their identification. The FTC also has proposed new rules to prevent deceptive marketing of so-called “free credit reports” by February 2010, the Times reports.

The bottom line? Consumers should never forget the Latin phrase Caveat emptor (“Let the buyer beware”) when making any kind of purchase. While – according to another old saying – there may be “no such thing as a free lunch,” there apparently is such a thing as a “free credit report” as long as you know where to get it (or remember to cancel your free trial membership in time).

Along with credit reports, consumers should also be aware of the contents of their criminal background checks. While most background check companies focus only on employers, MyBackgroundCheck.com – a pioneer in consumer requested background checks – allows individuals to perform “personal” background checks on themselves that help kept personal information is accurate, current, and secure. For more information on personal background checks, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. To follow MyBackgroundCheck.com on Twitter, visit www.twitter.com/MyBackgroundChk.

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