Wednesday, February 04, 2009

The Cost of A Data Breach - www.thesilentcrime.com

In this videocast I discuss with you what the real cost to a business if they fail to secure their customers information. This is done with a videocast, please join me at: WATCH VIDEO BLOG AT ---http://www.youtube.com/watch?v=8-JSV7WbMuE

You can find a copy of the article I discuss in my videocast by clicking on the following link -

http://www.washingtonpost.com/wp-dyn/content/article/2009/02/02/AR2009020203064.html

Thank you for joining me on the video and I will talk with you next week.

Michael McCoy

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Thursday, January 01, 2009

2009 Videocast Series

We wanted you all to be aware of a new video series that we at Identity Theft Prevention Institute ( www.stolendata.bogspot.com ) are going to start on a weekly basis in 2009. The series will cover current events, comparison's, interviews with industry experts, and what our subscribers are asking for.

If you are interested in a specific interview with a person, write us or email us and we will see what we can do.

12/31/2008 Video 1

http://www.youtube.com/watch?v=xCRsTZfpshQ


See you in a week.

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Sunday, October 26, 2008

HELP WANTED!!!

Hundreds of Identity Theft Services have hit the market in the past few years, and hundreds of others have done so and failed. Still others have launched, floundered, renamed, changed costume, and returned to the stage.

There is one in particular into which I am looking for, and with which I need your help -- Identity Watchdog (formerly ID Rehab), both out of Denver, Colorado. In case it helps, it is my further understanding that the company founders (father/son) also own and operate a credit repair service in the same building.

If any of my readers can fill in the gaps, please add your comments to this thread.

Also, if you have information on any other company which has not made it under one name, and is now doing business under a different name, please send me the names and locations of those as well.

Why rename your business? Why try to hide your past?

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Sunday, October 19, 2008

How are we going to get enforcement against ID Theft?!

From the NY Times - Very bad news regarding the ability of the federal government to help get the bad guys - big and small and for our purposes the ID theft crooks who are lurking out there every day of the week. You government slashers, don't we need more white hats to fight the bad guys?! C'mon Git 'Er Done!

WASHINGTON — The Federal Bureau of Investigation is struggling to find enough agents and resources to investigate criminal wrongdoing tied to the country’s economic crisis, according to current and former bureau officials.

Brendan Smialowski for The New York Times

The bureau slashed its criminal investigative work force to expand its national security role after the Sept. 11 attacks, shifting more than 1,800 agents, or nearly one-third of all agents in criminal programs, to terrorism and intelligence duties. Current and former officials say the cutbacks have left the bureau seriously exposed in investigating areas like white-collar crime, which has taken on urgent importance in recent weeks because of the nation’s economic woes.

The pressure on the F.B.I. has recently increased with the disclosure of criminal investigations into some of the largest players in the financial collapse, including Fannie Mae and Freddie Mac. The F.B.I. is planning to double the number of agents working financial crimes by reassigning several hundred agents amid a mood of national alarm. But some people inside and out of the Justice Department wonder where the agents will come from and whether they will be enough.
I am a smaller government guy myself but NOT in areas of security, safety, and law enforcement!

sws

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Sunday, September 21, 2008

Britain - Here We Go Again!

Another British data blunder: Stolen bankruptcy agency laptop had personal info.

LONDON (AP) _ The British government has admitted another data loss blunder: Its bankruptcy agency has lost a laptop carrying personal information on more than 100 former company directors.
The Insolvency Service says four laptop computers were stolen from its office in the northern English city of Manchester. It says one of them carried documents that "may give cause for concern."
The service said Wednesday that information on 122 former company directors was lost in the theft, as well as information on an unknown number of creditors, investors and employees.
Britain's government has been humbled by a series of data losses even as it attempts to roll out an ambitious national identification card. Medical, prison, and military records have been stolen or disappeared in recent months.

When will this nightmare end? One problem is that NO ONE is ever punished for putting people at risk. It's always "Oh, it was an oversight. No one is at fault."

If a bus driver in London injured or killed you because of sheer negligence they'd be prosecuted.

If bureaucrats knew they would be fined and do jail time they might remember ton keep their laptops and other sensitive data secure! IT misuse is just as dangerous as other negligence.


Here is the full miserable record of the British government.

Home Office has lost 43 laptops and 94 mobiles in three years
The Home Office has admitted losing 43 laptop computers and 94 mobile phones over the past three years, The Daily Telegraph can disclose.

By Christopher Hope, Home Affairs Editor
Last Updated: 11:39PM BST 24 Aug 2008

The news comes days after the department lost a memory stick containing the details of all 84,000 prisoners in England and Wales.

It has emerged that officials lost more than 300,000 people's details a month in the year to April.

That came on top of the loss of two CDs containing the entire child benefit database – containing the details of 25 million families – last November. The discs have still not been found.
Home Office data released in response to a question by the Tory peer Lord Hanningfield show that 43 laptops and 94 mobile phones have been lost or stolen at the department over the past three years – 15 laptops and 47 mobiles in 2007; 14 laptops and 10 mobiles in 2006; and 14 laptops and 37 mobiles in 2005.

Earlier this year, the Ministry of Defence said that almost 600 laptop computers had been stolen in the past decade.
That admission came after Des Browne, the Defence Secretary, had to make a statement to the Commons about the theft of a laptop containing the personal details of 600,000 people from a car in Birmingham.

A Home Office spokesman refused to say what was on the 43 laptops, but added: "We do not believe that any of the lost laptops contained sensitive or classified information."

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Tuesday, September 16, 2008

One of our dear bloggers sent this warning. Some of you may have seen this but be forewarned and tell your clients, friends and family. - Thanks. Keep sending us stuff on ID theft.

For Immediate Release
Washington D.C.
FBI National Press Office
(202) 324-3691

TELEPHONE FRAUD INVOLVING JURY DUTY

Washington, D.C. - The FBI today is providing a warning to the public against an ongoing scheme involving jury service. The public needs to be aware that individuals identifying themselves as U.S. court employees have been telephonically contacting citizens and advising them that they have been selected for jury duty. These individuals ask to verify names and Social Security numbers, then ask for credit card numbers. If the request is refused, citizens are then threatened with fines.

The judicial system does not contact people telephonically and ask for personal information such as your Social Security number, date of birth or credit card numbers. If you receive one of these phone calls, do not provide any personal or confidential information to these individuals. This is an attempt to steal or to use your identity by obtaining your name, Social Security number and potentially to apply for credit or credit cards or other loans in your name. It is an attempt to defraud you.

If you have already been contacted and have already given out your personal information, please monitor your account statements and credit reports, and contact your local FBI office. Local FBI field office telephone numbers can be found in the front of your local telephone directory or on www.fbi.gov.

For further information, please review the warnings posted on the U.S. Courts website at www.uscourts.gov, "Newsroom" news article "WARNING: Bogus Phone Calls on Jury Service May lead to Fraud."

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Saturday, September 06, 2008

Want Most of Sarah Palins SS #? It's on the Internet!

The recent sale of Iowan's confidential information (see last posting) raises serious questions about the commodification ( also called commercialization) of America's personal data. We addressed this problem in two books and in all of our talks and training seminars. WE HAVE A SEROUS PROBLEM because you are for sale! (Well all the confidential data about you anyway). Here is the latest proof that things are out of control.

Posted: Friday, September 5 at 05:00 am CT by Bob Sullivan
http://redtape.msnbc.com/2008/09/partial-palin-s.html

Part of vice presidential candidate and Alaska Gov. Sarah Palin's Social Security number apparently was published on the Web earlier this week, stirring up privacy concerns. The data – labeled as the first five digits of the candidate’s SSN – is widely available from background services like ChoicePoint or LexisNexis. In fact, such partial SSNs routinely appear on reports anyone could obtain on their neighbor or their nanny.

A report of the Palin SSN leak Tuesday on the Politico.com Web site evoked memories of a scandal in 2006 that erupted after Democratic staffers obtained Republican Senate candidate Michael Steele’s credit report. But the incident involving Palin bears few similarities.

The first five digits of Palin's SSN appeared in a document posted on Politico, which described the paper as an "opposition document" compiled in 2006 on behalf of Tony Knowles, her Democratic opponent in Alaska's gubernatorial race that year.

The highly detailed 63-page document contains mostly newspaper clippings designed to call attention to Palin's positions on controversial topics like abortion. But in a section marked "Palin Background," a chart containing Palin's name, birthday and part of her SSN appeared. Various previous addresses also were listed. Palin’s campaign could not be reached to confirm the accuracy of the information.

Politico has since obscured all nine digits of Palin's Social Security number.

The site did not identify the source of the document, except to state in an accompanying story that it was not obtained from the Obama campaign. It did not immediately respond to inquiries from msnbc.com about the document.

Publication of the first five digits of Palin’s Social Security number does put Palin at a modest risk for identity theft, though someone would still have to guess the other four digits. (PS from Steffen Schmidt: This is the biggest understatement I have ever seen in my life! There is software that can very quickly "guess" those last 4 numbers. Moreover, most credit card, cell phone, sattelite or cable and other contract actually use the last 4 digits to verify that you are a customer so anyone at any of these companies will know your last 4 numbers to verify!)

But those five digits would be easy for anyone to obtain. Services like ChoicePoint and LexisNexis provide partial Social Security numbers to customers who order background reports. ChoicePoint's policy, for example, is to obscure only the last four digits of SSNs, said company spokesman Chuck Jones.

Taken together with Palin's past addresses, that portion of the opposition document appears to be lifted directly from a commercially available background report.

The document also lists other personal information, such as the size of Palin's mortgages and the vehicle identification numbers for all 26 cars the Palin family has registered since 1994.

There's nothing illegal about obtaining such reports. Many companies use them to "background" potential employees, and journalists regularly use them as reporting tools.

That doesn't mean it's a good idea to sell any part of someone's personal information, but that's a debate that ranges well beyond this campaign.

Since many companies use the last four digits of a Social Security number as a password, revealing the first five SSN digits is generally considered less risky. In fact, the first three can be guessed with relative ease, as they are based on geographical birthplace.

Release of Palin's partial SSN reminded some observers of the Steele credit report incident. In 2005, two members of New York’s Democratic Sen. Charles Schumer staff obtained a credit report for Steele, who was then Maryland’s lieutenant governor. Steele at the time was considered a likely GOP candidate for U.S. Senate in Maryland, and Schumer led the Democrats' effort to win a majority in the Senate. Steele eventually ran in 2006 and lost.

Obtaining a credit report without someone's permission is a violation of the Fair Credit Reporting Act. The staffers were fired.

We have written about this in both of our ID Theft books. Too little hard action by Congress and law enforcement!

The Palin background document and its partial SSN, while to some unsavory, should not be compared with the theft of a political opponent's credit report. But it is another opportunity to consider the uncomfortable ease with which people's personal information can be obtained without their permission, and the need to regulate the databases that track us.

Rob Douglas, who runs InsideIDTheft.info, said Congress has shirked its duties to reign in the collection and sale of personal information. As a result, criminals wouldn't have too much trouble getting the rest of Palin's SSN, he said.

"Social Security numbers are floating around all over the place. And for 10 years Congress has been dinking around on Capitol Hill, discussing what to do about it," he said.

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Wednesday, August 27, 2008

The Item for today is "Another Way to Lose Your Identity."

Well, as you'd expect, the bad guys have found another way to launch an attack against us.

PORTLAND, Ore. - Users of the popular social Web site Facebook are being warned that a computer virus is being spread through a well-disguised e-mail masquerading as a video from a friend.

The site boasts over 60 million registered users, including many employees at KATU.

Reporter Dan Tilkin recently registered on the site on the advice of friends and co-workers and received what he thought was a friendly e-mail from a former producer.

A link in the e-mail led him to a Web site that appeared to play a video and prompted him to update his computer's software to see the video.

However, the download was a virus instead.

It's not clear exactly what the virus does, but it should be assumed the purpose is malicious. A computer virus is also commonly referred to as "malware," which is short for "malicious software."

Many viruses scour a computer for personal information including banking and credit card information and then send it out of the country where hackers use it steal funds from the victim.

A virus can also turn a computer into a "zombie" and help to spread the virus to other computers or launch Denial of Service attacks on Web sites without the owner realizing what is taking place.

Computer experts warn users never to download any file with an ".exe" prefix sent from anyone, even if they are a friend, and to carefully monitor what page your browser lands on.

http://www.komonews.com/news/tech/27449439.html




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Thursday, August 21, 2008

Welcome to Campus! Give me Your Identity!


It's college time kids!

Now we need to prep ypu for all the perps out there who will find you easy pickin' for stealing your credit card or more. The statistics on growing ID theft cases at colleges are frightening and we need to more quickly to change your behavior and teach you to be "Identity Theft Aware."

We have been working on an ID theft "condom" to make sure you practice "safe computing."

After all, the college health serives (in spite of Rush Limbaugh) may be handing out actual condoms so you have "safe sex" so we want to make sure that you also protect your identity information from "viruses" just like you do against STD's.

Unfortunately we have had a hard time making the ID condom big enough to cover your laptop so instead we are developing a short, one hour, on-line "Safe Identity behavior" workshop for you kids.

We want to encourage every college and university in the USA to include a short 10 minute presentation on Safe Identity Behavior right after the talk about safe sex during incoming or freshman orientation. Then they should send you to the web site so you can take the short seminar.

Also, don't get trashed and let someone steal your wallet, purse, bag or backpack and all that personal info you keep in there. A drunk is the best target for old fashioned "analog"ID theft!

Have fun ! Be safe!

As soon as it comes out I'll be posting a link to an article on this that will be published in a college-oriented publication soon.

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Sunday, August 10, 2008

The Big Enchiladas Get Caught!

We've dribbling out cases of spammers and hackers recently arrested. Now we can report on the largest ID theft case in history!



11 are charged with massive ID theft:
41 million credit card numbers allegedly stolen in global theft ring

This is the version in The Boston Globe, August 6, 2008

A ring of people spread across the globe hacked into nine major US companies and stole and sold more than 41 million credit and debit card numbers from 2003 to 2008, costing the companies and individuals hundreds of millions of dollars, federal law enforcement officials said yesterday.

"So far as we know, this is the single largest and most complex identity theft case ever charged in this country," US Attorney General Michael Mukasey said at a news conference at the John Joseph Moakley US Courthouse in Boston.

A grand jury indictment released yesterday charged that Albert "Segvec" Gonzalez of Miami, the alleged ringleader, and his 10 conspirators cruised around with a laptop computer and tapped into accessible wireless networks.

They then hacked into the networks of TJX, BJ's Wholesale Club, OfficeMax, Boston Market, Barnes & Noble, Dave & Buster's, Sports Authority, Forever 21, and DSW. After gaining access to the systems, they installed programs that captured card numbers, passwords, and account information, officials said.

In addition to Gonzalez, two other Miami residents were charged in Boston and eight other alleged conspirators were charged in San Diego. The defendants - one from Estonia, three from Ukraine, two from China, one from Belarus, and one of unknown origin - allegedly concealed the data in encrypted computer servers they controlled in Europe and the United States. They sold some of the numbers, via the Internet, to other criminals, authorities alleged.

The suspected hackers also encoded some of the stolen numbers on the magnetic strips of blank credit or debit cards, which were then used to withdraw tens of thousands of dollars from ATM machines, officials said.

It was not clear how much of the stolen information had been used.

Rene Palomino Jr., a Miami lawyer representing Gonzalez, said his client will be proven innocent. "The government will have an uphill battle to prove their allegations," said Palomino, who declined to comment on the specific allegations.

Lawyers for the other men charged in Boston did not return calls.

Part of the scheme came to the public's attention early last year, when TJX, the Framingham-based retailer that runs T.J. Maxx, Marshalls, and other stores, found that credit and debit card information had been stolen from its computer systems.

In a statement yesterday, TJX officials called on credit card companies to improve security measures to protect consumers.

"The sheer number of retailers attacked by these cyber criminals demonstrates the much broader challenges in protecting sensitive consumer data from this increasing threat," said Sherry Lang, a TJX spokeswoman. "Broader action beyond retailers alone is required to protect consumer data. Banks and the US payment card industry must join retailers and work together."

Lang called for installing proven card security measures that are in use throughout much of the world.

Ted Julian, vice president of strategy and marketing for Application Security Inc. in New York, said the indictments reflect the changing tactics of cyber-criminals. Rather than go after individual consumers, hackers are targeting major retailers, such as wireless networks, to access troves of personal data.

"There are thousands of conduits to customer data. Security isn't working and TJX is the poster child of a big data breach," Julian said. "What is needed is a different approach to secure that data far more directly where it lives."

Officials at BJ's Wholesale Club of Natick, which settled charges in 2005 with the Federal Trade Commission that it failed to take appropriate security measures to protect the sensitive information of thousands of its customers, said they are pleased by the case's progress.

"We instituted significant system upgrades . . . and we are continuously employing measures to help protect data against the ever-increasing sophistication of thieves," the company said in a statement.

At yesterday's news conference, Mukasey said that over the past three years, officials and undercover agents from various federal agencies received help from investigative agencies worldwide.

"The message is simply this: We will track you down wherever you are in the world," Mukasey said. "We will see that you are arrested, and you will go to jail."

Officials said Gonzalez was previously arrested by the Secret Service in 2003 for access device fraud. The Secret Service later discovered that Gonzalez, who was working as a confidential informant for the agency, had become involved in the credit card theft case. He is now in a federal prison in New York awaiting trial on related charges.

Christopher Scott and Damon Patrick Toey of Miami were also charged in Boston. Maksym "Maksik" Yastermskiy, Dzmitry Burak, and Sergey Storchak of Ukraine; Aleksandr "Jonny Hell" Suvorov of Estonia; Hung-Ming Chiu and Zhi Zhi Wang of China; Sergey Pavlovich of Belarus; and a person known only by the online nickname of "Delpiero" were charged in San Diego.

The indictments charge the defendants with crimes related to the sale of the stolen credit card data. Charges included conspiracy to possess unauthorized access devices, possession of unauthorized access devices, trafficking in unauthorized access devices, identity theft, aggravated identity theft, aiding and abetting, trafficking in unauthorized access devices, conspiracy to launder monetary instruments, and trafficking in counterfeit access devices.

The San Diego charges allege that Yastremskiy, Suvorov, Chiu, Wang, Delpiero, Pavolvich, Burak, and Storchak operated an international stolen credit and debit card distribution ring with operations from Ukraine, Belarus, Estonia, China, the Philippines, and Thailand. The indictments allege Yastremskiy earned more than $11 million from his illicit operation.

In May, prosecutors charged Gonzalez, Suvorov, and Yastremskiy with hacking into computer networks run by the Dave & Buster's restaurant chain and stealing credit and debit card numbers from at least 11 locations. They allegedly gained access to the cash register terminals and installed at each restaurant a computer code configured to capture credit and debit card numbers as the restaurants processed them.

At one restaurant, the so-called "packet sniffer" captured data for about 5,000 credit and debit cards, eventually causing losses of at least $600,000 to the financial institutions that issued the credit and debit cards, authorities said.

Richard Walega, a New Bedford city employee who had $6,700 in fraudulent charges appear on his bank card weeks after shopping for Christmas presents at a T.J. Maxx store in Westborough in 2006, said he was "aghast" at the scope of the crimes.

Walega said he hasn't returned to T.J. Maxx and is still awaiting a settlement from the company, which has offered vouchers, cash benefits, credit monitoring, identity theft insurance, and reimbursements to eligible victims.

"It's totally mind-boggling," he said. "I hope this is the end of the trail."

That our security systems have been so porous and weak is the real story here. that corporations still don't have robust defenses against ID theft is the tragedy!

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Sunday, August 03, 2008

False ID Cards - identity fabrication!


"Postville, Ia. — Federal agents who raided the Agriprocessors meatpacking plant here in May found evidence that a human resources department employee helped distribute false immigration documents to workers, court papers say.

The agents said they found about 96 fraudulent resident-alien cards in the human resources department. Many of the cards were grouped in stacks. Most of the cards, commonly known as green cards, appeared to have been made by the same forger, the court papers say.
This is a very common problem but usually company HR departments are not as blatantly involved in creating, procuring, and/or issuing false US immigration ID cards. One of the key reasons for ICE raids on companies in the United States is now ID theft. We need more information but it is likely that many of these ID cards are actually fabricated, fake identities rather than "stolen" identities.

Interesting Footnote: We have recently learned that most of the illegal workers did not even know what a Social Security Card is used for (they were asked after their arrest) and any of them cannot read or write in Spanish or English so the ID thieves and forgers were the people working for the company - the employers. But, none of them have been charged or arrested. HMM. Go figger!





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Wednesday, July 23, 2008

Just RANTING

1.

I have been saying for months that the FTC’s “Red Flag Rule” was never intended to be all encompassing. As many of you know there has been a difference of opinion on this subject with some individuals going as far as using the rule as a scare tactic in order to profit. In my opinion, there is enough to worry about as a business owner in regards to identity theft without having such profiteers lurking about. Finally, the FTC is weighing in on this subject. I have included a recent article that addresses this issue.
http://www.consumeraffairs.com/news04/2008/07/red_flag.html

2.

Now, I am speaking to the companies that are out there offering “compliance training” and charging thousands of dollars and to the insurance agents selling identity theft services and products: Be careful and do what is right for the client.

It is only a matter of time before every adult individual in the United States will be carrying an identity theft policy/service in their portfolio. Be patient and offer the best product - not the most convenient one. The sales will come.

Remember, insurance agents make their real money in residual income. If you are seen as a partner of your client instead of seeing your client as a profit center you will realize a long term residual income and more referrals then you alone can handle. NOW go out there and do what is right.

3.

Lastly, keep in mind, “time will promote or expose”. This is very important to all of the companies coming to the market with a new identity theft product. Bring the public the best product you can and the market will reward you. If it is a product like LifeLock or ID Rehab (now Identity Watchdog) you will find out that time will expose their shortcomings. Keep in mind, indecent exposure is still illegal in most places around the world.

The consumer is not STUPID and good advertisement will not conceal the flaws of your product forever.

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Saturday, April 26, 2008

Sound Off

Dr. Schmidt, Hi! My name is xxxxxxxxxxxxxxx and I'm a student in your Pol Sci 487 class. I've enjoyed the links you've sent out to news articles about identity theft across the country. It's opened my eyes, to say the least.

Anyway, I wanted to add a link to your collection - http://www.freep.com/apps/pbcs.dll/article?AID=/20080404/NEWS01/804040302

This story explores one of the 33 schools closed by administrators of the Detroit School System last year. The school was left unlocked with what appeared to be all of its contents inside - including student records free for the taking. In fact, the Detroit Free Press reporter returned some special education records to the families of students, not the school district.

Contractors were paid to pack the items inside all schools and secure its contents, which appears to have never happened. The school district feels it may be cheaper to demolish these buildings instead of repair the abuse.

I was really disgusted to read this - I hate that even our youngest citizens can fall prey to identity theft due to the incompetence of adults.

Thank you for giving me a forum to sound off. I've enjoyed the course.

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Wednesday, December 12, 2007

The archeological deposit of trillions of data rats

Here we go again! The use of Social Security numbers for every random, routine activity has left an archeological deposit of trillions of data rats nests scattered all over the landscape of the United States.

Until a few years ago professors at a major US University reported that they had to fill out a new form every semester with all their info INCLUDING SOCIAL SECURITY NUMBER to obtain an activated key so they could access the multimedia cabinet in their classrooms. Most of these forms were faxed top the office where this was done and were stuck in cabinet somewhere.

The announcement of the data breach below follows the industry standard phrase “We want to assure you that there is no evidence that the computer intruder accessed the files containing Social Security numbers.” Usually the lawyers also add “There is no evidence that any of the information has been used in any identity thefts.”

All we can say is “Yeah, right!”

Here is the latest case study for you to study.

DATE: Dec. 11, 2007

TO WHOM? Iowa State University Faculty and Staff:

WHAT? “A security breach recently was discovered on a server in the Office of
Sponsored Programs Administration. Old files found on that server contained the names and Social Security numbers of approximately 2,900 faculty and staff who submitted proposals through the OSPA GoldSheet process prior to Jan. 1, 2006.

“We want to assure you that there's no evidence that the computer intruder accessed the files containing Social Security numbers. Our technical experts believe the primary motive was to store movies and hacker-related software.”

Two servers at OSPA were breached by the intruder, but only one computer contained files with Social Security numbers. The security breach was reported to Information Technology Services staff on Monday, Nov. 26. The server had already been removed from the campus network. A thorough examination of the server over several days yielded files containing names and SSNs.

Over the past couple of years, Social Security numbers have been removed from all central systems and business processes, except where the SSN is required. This incident points to the urgency to inspect old files and remove Social Security numbers that once were a routine part of university reports. If you need assistance in finding protected information on your computer or would like to know more about securing your computer, please contact …………., ITS security.

We regret any inconvenience or distress this security breach may cause.
We do not think it is likely your information was accessed, but if you are concerned, please see the resources below.

If you have concerns or comments on this security incident, please feel
free to contact either of us.

Michael McCoy @ insurancenow@hotmail.com
Dr. Steffen Schmidt @ steffenschmidt2005@gmail.com

ADDITIONAL RESOURCES:

What should I do if I am concerned about possible identity theft?

1. Place a fraud alert on your credit report. This tells creditors to contact you before opening any new accounts or making changes to current accounts. The Federal Trade Commission offers more information on how to place a fraud alert at http://consumer.gov/idtheft

2. Get a copy of your credit report from the three major credit bureaus
(Equifax, Experian, and TransUnion) and make sure all accounts on that report belong to you. You're entitled to a free annual credit report from the three major credit bureaus. See: https://www.annualcreditreport.com/

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  • All Material is Copyright © 2009 Michael McCoy and SEAS, L.L.C
  • Deter. Detect. Defend. Avoid ID Theft - www.ftc.gov/idtheft