August 22,2016
the staff of the Ridgewood blog
Ridgewood NJ, once again Ridgewood Police report incidence of “Identity Fraud . On 8/9/16 a Woodside Avenue resident responded to headquarters to report an incident of fraud in the past. The victim reported an unknown person made a purchase using the victim’s PNC debit card in the amount of $1910.76 in Flushing, N.Y. The victim reported PNC Debit Card Fraud department was notified and investigating the incident.
A Hawthorne Place resident reported a theft of impersonation on 8/12/16. The resident reported an unknown person utilized his personal identity to submit a tax return. The resident contacted the IRS and made notification of the fraud.
According to the US Department of Justice these are the most common ways to commit identity theft or fraud;
Many people do not realize how easily criminals can obtain our personal data without having to break into our homes. In public places, for example, criminals may engage in “shoulder surfing”  watching you from a nearby location as you punch in your telephone calling card number or credit card number  or listen in on your conversation if you give your credit-card number over the telephone to a hotel or rental car company.
If you receive applications for “pre-approved” credit cards in the mail, but discard them without tearing up the enclosed materials, criminals may retrieve them and try to activate the cards for their use without your knowledge. (Some credit card companies, when sending credit cards, have adopted security measures that allow a card recipient to activate the card only from his or her home telephone number but this is not yet a universal practice.) Also, if your mail is delivered to a place where others have ready access to it, criminals may simply intercept and redirect your mail to another location.
In recent years, the Internet has become an appealing place for criminals to obtain identifying data, such as passwords or even banking information. In their haste to explore the exciting features of the Internet, many people respond to “spam”  unsolicited E-mail  that promises them some benefit but requests identifying data, without realizing that in many cases, the requester has no intention of keeping his promise. In some cases, criminals reportedly have used computer technology to obtain large amounts of personal data.
With enough identifying information about an individual, a criminal can take over that individual’s identity to conduct a wide range of crimes: for example, false applications for loans and credit cards, fraudulent withdrawals from bank accounts, fraudulent use of telephone calling cards, or obtaining other goods or privileges which the criminal might be denied if he were to use his real name. If the criminal takes steps to ensure that bills for the falsely obtained credit cards, or bank statements showing the unauthorized withdrawals, are sent to an address other than the victim’s, the victim may not become aware of what is happening until the criminal has already inflicted substantial damage on the victim’s assets, credit, and reputation.
