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<br />III. IDENTIFICATION OF RED FLAGS. <br /> <br />In order to identify relevant Red Flags, the utility considers the types of accounts that it offers and <br />maintains, the methods it provides to open its accounts, the methods it provides to access its accounts, <br />and its previous experiences with Identity Theft. The Utility identifies the follOWing red flags, in each of the <br />listed categories: <br /> <br />A. NotIfltations and Warnings From Credit Reporting Agendes <br /> <br />Red Flaas <br /> <br />1. Report of fraud accompanying a credit report; <br />2. Notice or report from a credit agency of a credit freeze on a customer or applicant; <br />3. Notice or report from a credit agency of an active duty alert for an applicant; and <br />4. Indication from a credit report of activity that is inconsistent with a customer's usual pattern or <br />activity. <br /> <br />8. Suspicious Documents <br /> <br />Red Flaas <br /> <br />1. Identification document or card that appears to be forged, altered or inauthentic; <br />2. Identification document or card on which a person's photograph or phYSical description is not <br />consistent with the person presenting the document; <br />3. Other document with information that is not consistent with existing customer information (such as <br />if a person's signature on a check appears forged); and <br />4. Application for service that appears to have been altered or forged. <br /> <br />C. Suspldous Personal Identifying Information <br /> <br />Red Flaas <br /> <br />1. Identifying information presented that is Inconsistent with other information the customer provides <br />(example: inconsistent birth dates); <br />2. Identifying information presented that is inconsistent with other sources of Information (for <br />instance, an address not matching an address on a credit report); <br />3. Identifying information presented that Is the same as information shown on other applications that <br />were found to be fraudulent; <br />4. Identifying information presented that is consistent with fraudulent activity (such as an invalid <br />phone number or fictitious billing address); <br />5. Social security number presented that Is the same as one given by another customer; <br />6. An address or phone number presented that Is the same as that of another person; <br />7. A person fails to provide complete personal identifying Information on an application when <br />reminded to do so (however, by law sodal security numbers must not be required); and <br />8. A person's identifying information is not consistent with the information that is on fife for the <br />customer. <br /> <br />3 <br />