Office of Consumer Protection
P.O. Box 45025
Newark, New Jersey 07101
It is estimated that identity theft is the fastest-growing financial crime in America and perhaps the fastest-growing crime of any kind in our society. It can happen in many different ways: a thief takes credit card receipts or bank statements from your wallet or garbage; you inadvertently provide personal financial information over the phone or Internet; or someone misuses your social security number or other confidential materials. But the results can be equally disastrous. Before you even realize your personal information has been compromised, your credit and good name can be damaged. But New Jersey has taken new and ground-breaking steps to prevent identity theft from happening and, if it does, helping you repair the damage that has been done. The "Identity Theft Prevention Act," which took effect on January 1, 2006, is the most comprehensive and easy-to-use identity theft prevention law in the nation which gives consumers the tools they need to protect their financial well-being.
Consumers may now:
Request that a credit reporting agency place a security freeze on their consumer credit reports;
File and receive a copy of police reports concerning his/her suspected identity theft;
Require any company that lawfully collects and maintains computerized records containing personal information to notify him/her in the event that the personal data is compromised;
Limit use of Social Security numbers as identifiers and prohibit public display and usage of their Social Security numbers on printed materials except where required by law; and
Require businesses to destroy records containing personal information that is no longer needed.
Information found in the links below provide you with additional information on identity theft and ‘phishing,’ common sense steps you can take to prevent identity theft, how and where to report identity theft and what you need to do to repair your credit in the event that you are a victim of identity theft.
How Do People Find Out They Are Victims
Notice fraudulent charges on their accounts.
Checked or reviewed their credit report.
Received a bill that they did not owe.
Business Computer Breach
Identity Theft Can Be for Various Types of Gains
Financial / Credit Card / Bank Fraud
Government Documents / Employment / Tax Related / Obtain or Create ID
Crime related / Using ID for Crimes
Phone or Utilities Fraud / Open Accounts
Point of Contact / How Are People Contacted
#3 Emails / Phishing /
#4 Consumer Initiated Contact
Payment Method Requested For Victims
#1 Wire Transfer
#2 Credit Cards
#3 Gift Cards
Types of Scams That May Include Identity Theft
#1 Imposter, Government, Grandpa Scam (Family In Trouble), IRS, Tech Companies, Social Security, Medicare and more.
Telephone, Utilities and Mobile Services
Websites, Shop at Home / Computer Hacking
Travel Vacations, Time Shares
Business and Job Opportunities
Stolen Wallet / Pick Pocket
Trash Diving / Not destoying Documents
Access to Personal Information At Home / Visitors With Paperwork Out
If you are the victim of Identity Theft, download the Identity Theft Recovery Plan
There's much to see here. So, take your time, look around. Victims of identity theft are of all ages, genders, races and education levels. Victims that have a higher chance to be a victim according to this study is female, caucasion, married with a college degree.
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