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SentiLink talks with the ITRC in the newest Fraudian Slip podcast about the unprecedented levels of identity fraud as people have applied for government benefits during COVID-19 

  • For the first time since the reports of unemployment identity fraud began to spike in March 2020, the number of cases has steadily declined. So have the number of fraudulent stimulus cases linked to identity fraud. 
  • However, June was the month the Identity Theft Resource Center (ITRC) saw 2021’s unemployment identity fraud numbers surpass all of 2020.  
  • The ITRC sat down with supporter SentiLink, a company that helps businesses reduce identity-related fraud, to discuss COVID-19 fraud, what we learned, emerging threats and much more. Listen to this week’s episode of The Fraudian Slip
  • You can learn more about unemployment identity fraud and other topics discussed in the podcast, and how to protect yourself from identity crimes by visiting the ITRC’s website
  • If you think you are the victim of an identity crime or your identity has been compromised, you can call us, chat live online, send an email or leave a voicemail for an expert advisor to get advice on how to respond. Just visit www.idtheftcenter.org to get started.   

Welcome to The Fraudian Slip, the Identity Theft Resource Center’s (ITRC) podcast, where we talk about all-things identity compromise, crime and fraud that impact people and businesses. Listen on Apple, Google, Spotify, SoundCloud, or Podsite now.

This month, July, we will look deeper into an issue that has dominated news headlines – unemployment identity fraud – and frustrated hundreds of thousands of identity crime victims. We are talking about the unprecedented levels of identity fraud that we have seen during the pandemic as people applied for various government benefits – ranging from unemployment benefits to small business loans.  

Let’s start with some good news. For the first time since reports of unemployment identity fraud emerged in early 2020, the number of fraud cases began a steady decline in May. The number of fraudulent stimulus cases linked to identity fraud and small business administration loans also drops a little each month. Ironically, June was the month when the number of unemployment identity fraud cases reported to the ITRC in 2021 surpassed all of 2020. 

The ITRC has talked a lot on earlier episodes of this podcast about how the unemployment identity fraud occurred and the impact on people denied benefits as a result. However, we have not focused much on what we have learned about what happened after the money was stolen. Where did it go? What other actions can we take now to prevent more fraud in the future based on what we have learned? 

Helping us explore the murky world of identity fraud is Eva Velasquez, president and CEO of the ITRC, and Naftali Harris, Co-Founder and CEO of SentiLink, a company that helps businesses reduce identity-related fraud.   

We talked with Naftali Harris about the following: 

  • What SentiLink does. 
  • What happened to the money lost, and what we have learned from the pandemic fraud. 
  • Friction in transactions – positive and negative.  
  • Any potential emerging threats. 

We talked with Eva Velasquez about the following: 

  • The impacts of identity fraud and the denial of benefits. 
  • Friction in transactions – positive and negative. 
  • What consumers can do to prevent/mitigate identity fraud now. 

You can learn more about unemployment identity fraud as well as get help if you have been the victim of an identity crime by visiting the ITRC’s website at www.idtheftcenter.org. While you are there, sign up for our emails that alert you to the latest scamsmonthly data breach updatesand tips to protect your identity.  

Be sure and join us next week for our Weekly Breach Breakdown podcast and next month for another episode of The Fraudian Slip.  

ITRC thanks SentiLink for supporting our podcast.

  • With data breaches on the rise last 30 days to 45 days, it has been one of the most intense periods seen in a while because of the pace, scope and impact of the crimes.
  • GEICO suffered a data breach impacting 132,000 people and could lead to unemployment fraud; the Pennsylvania Department of Health and ParkMobile both had data incidents due to third-party providers; and Peloton had a problem with third-party software, allowing other users to see people’s personal information.
  • Researchers guessed up to 80 percent of iPhone and iPad users would take advantage of Apple’s new anti-tracking privacy feature. However, based on early downloads of the iOS update, 96 percent of users are using the new feature to opt-out of app-tracking.
  • To learn about recent data breaches, consumers and businesses should visit the Identity Theft Resource Center’s (ITRC) new data breach tracking tool, notified
  • For more information, or if someone believes they are the victim of identity theft, consumers can contact the ITRC toll-free at 888.400.5530 or via live-chat on the company website www.idtheftcenter.org.

Too Fast, Too Furious

Welcome to the Identity Theft Resource Center’s (ITRC) Weekly Breach Breakdown for May 14, 2021. Each week, we look at the most recent and interesting events and trends related to data security and privacy. This week we’re highlighting data breaches on the rise the past 30 days in one of the most intense periods of cyberattacks and data breaches we’ve seen in a while.

With all due respect to Vin Diesel and the rest of the cast of the Fast and Furious movie franchise, we’re calling this week’s episode “Too Fast, Too Furious” because of the pace, scope and impact of identity compromising events over the past 45 days – some of which are still ongoing. We also have a quick update on the impact of the recent privacy tools added to iPhones and iPads.

ITRC’s Notable Breaches for April

In the ITRC’s most recent monthly report of data breaches, we highlighted three major events:

  • GEICO’s breach of driver’s license data that impacted 132,000 customers;
  • The contact tracing service hired by the Pennsylvania Department of Health failing to secure the COVID-related personal health information of Keystone state residents; and,
  • Twenty-one (21) million users of the ParkMobile app having their information exposed thanks to a vulnerability in third-party software.

Each of these is unique in some ways but also reflective of broader trends.

GEICO

In the case of GEICO, when announcing the data breach at the nation’s second-largest auto insurance company, officials said the stolen data was being used as part of unemployment insurance fraud schemes. Pandemic-related benefits fraud is estimated to be closing in on $100 billion. The ITRC is on pace to surpass the total number of unemployment identity fraud victims we helped in 2020 by the end of May 2021.

Pennsylvania Dept. of Health & ParkMobile

The events involving the Pennsylvania Department of Health and the ParkMobile parking app are two variations of the same issue: problems with third-party suppliers. In the case of the Pennsylvania Department of Health, the vendor supplying COVID-19 contact tracing services didn’t secure the personal information of 72,000 people. With ParkMoble, a third-party software issue exposed user’s personal information. Issues with supply chains are an escalating trend when it comes to data compromises, especially cyberattacks where threat actors can steal the data of multiple companies in a single attack.

Peloton

More recently, an issue with third-party software also allowed users of the popular Peloton exercise bikes to see the personal information of other users. The flaw was found by an independent cybersecurity researcher who reported the issue to Peloton, which did not initially respond to his information. Ultimately, Peloton fixed the issue early this month, but not before opening three million subscribers to having their information exposed. Peloton has since acknowledged they have fixed the problem, and there is no evidence of anyone stealing the user information.

Update on the New Apple Privacy Feature

Finally, an update on how many people are taking up Apple’s offer to block mobile app owners from collecting and selling user data without first getting consent. Researchers guessed before the launch of the new anti-tracking privacy feature that as many as 80 percent of iPhone and iPad users would take advantage of the blocking technology.

The actual numbers based on early downloads of the iOS update is 96 percent of users are saying no to app-tracking. That’s a giant obscene gesture to companies that rely on third-party data for marketing and advertising and the platforms that collect and sell user information. Now here is the next question: Who will follow Apple’s lead in addressing the privacy and cybersecurity concerns of consumers?

Contact the ITRC

If anyone has questions about keeping their personal information private and how to protect it, data breaches on the rise or on the new Apple privacy update, they can visit www.idtheftcenter.org. They will find helpful tips on these and many other topics. People can also sign-up to receive our regular email updates on identity scams and compromises.

If someone thinks they have been the victim of an identity crime or a data breach and needs help figuring out what to do next, they should contact us. Victims can speak with an expert advisor on the phone, chat live on the web or exchange emails during our normal business hours (6 a.m.-5 p.m. PST). Visit www.idtheftcenter.org to get started. 

Be sure to listen next week to our sister podcast – The Fraudian Slip – when we’ll talk to the Chief Privacy Officer of Synchrony, a leading financial services company. We will be back in two weeks with another episode of the Weekly Breach Breakdown.

  • A recent GEICO data breach led to fraudsters gaining access to nearly 132,000 GEICO customer’s driver’s license numbers. GEICO says they believe threat actors could use the information to apply for unemployment benefits fraudulently.
  • The Pennsylvania Department of Health’s third-party contact tracing vendor, Insight Global, failed to secure phone numbers, email addresses and personal information like gender, age, sexual orientation, COVID-19 diagnosis and exposure status of more than 72,000 Pennsylvania residents. Third-party breaches continue to be a growing trend.
  • Like the Pennsylvania Department of Health, ParkMobile Parking App also suffered a supply chain attack. The ParkMobile data incident exposed the non-sensitive information of 21 million users, putting them at risk of falling victim to social engineering.
  • For more information about April data breaches, consumers and businesses should visit the Identity Theft Resource Center’s (ITRC) data breach tracking tool, notified.  
  • If you believe you are a victim of identity theft from a data breach, contact the ITRC toll-free at 888.400.5530 or through live-chat on the company website www.idtheftcenter.org.

Notable April Data Breaches

Of all the data breaches the Identity Theft Resource Center (ITRC) tracked in April, three stand out: GEICO, Pennsylvania Department of Health and the ParkMobile Group. All three data events are notable for unique reasons. In one, the company is very detailed in how criminals are misusing the information and what people should look out for; another event includes a contact tracing service failing to secure the private information of some residents in Pennsylvania – re-affirming a trend identified by the ITRC; the third compromise led to the exposure of data for 21 million people – stemming from a supply chain attack.

GEICO

A security bug led to threat actors stealing personally identifiable information (PII) from approximately 132,000 GEICO customers between January 21 and March 1. According to the GEICO data breach notice, fraudsters used the information they acquired about customers elsewhere to obtain unauthorized access to people’s driver’s license numbers through the online sales system of their website. GEICO says that they believe the information from the breach could be used to apply for unemployment benefits fraudulently. Unemployment benefits fraud continues to impact consumers all over the U.S. There could be over $200 billion lost to the fraud. The ITRC has received over 1,400 cases of unemployment benefits fraud in 2020 and 2021, compared to only 12 cases in 2019.

The GEICO data breach is notable because the insurance company is very detailed in how the information could be used and what people need to keep an eye on. It is not often the ITRC sees this level of detail in a data breach notice.

Pennsylvania Department of Health

Insight Global, a company that has provided COVID-19 contact tracing services for the Pennsylvania Department of Health since 2020, failed to secure the private information of more than 72,000 people.  According to WSKG, a health department spokesman said they recently learned workers at Insight Global disregarded security protocols established in the contract and created unauthorized documents outside the state’s secure data system.

The information exposed in the Pennsylvania Department of Health data compromise includes phone numbers, email addresses and personal information such as gender, age, sexual orientation, COVID-19 diagnosis and exposure status. The Pennsylvania Department of Health does not know how many people may have viewed or downloaded the documents. Officials say notifications will be mailed to all affected Pennsylvania residents.

The Pennsylvania Department of Health data compromise is the latest third-party exposure to occur. According to the ITRC’s Q1 2021 Data Breach Report, there’s been a 42 percent increase in supply chain attacks, including 27 at third-party vendors impacting 137 U.S. organizations, and 19 supply chain attacks in Q4 2020.

ParkMobile Group

The parking app, ParkMobile, also suffered a data compromise due to a vulnerability in third-party software, affecting 21 million people. According to the ParkMobile notification letter, they became aware of the vulnerability and launched an investigation, which is still ongoing. Information exposed includes license plate numbers, email addresses, phone numbers, mailing addresses and vehicle nicknames. According to KrebsOnSecurity, the data appeared for sale on a Russian-language crime forum.

Anyone who uses the ParkMobile parking app, used by cities and universities across the U.S., could be at risk of falling victim to social engineering. While no sensitive information was exposed, if hackers get enough information about people, they can put all of the information they have gathered together to commit identity fraud.

What to Do if These Breaches Impact You

Anyone who receives a data breach notification letter should follow the advice offered by the company. The ITRC recommends immediately changing your password by switching to a 12+-character passphrase, changing the passwords of other accounts with the same password as the breached account, considering using a password manager and keeping an eye out for phishing attempts claiming to be from the breached company.  

GEICO encourages its customers to check their account statements and credit reports regularly for any suspicious activity.

The Pennsylvania Department of Health has set up a hotline (855.535.1787) for those concerned about the security of their information.

notified

For more information about April data breaches, or other data breaches, consumers and businesses should visit the ITRC’s data breach tracking tool, notified, free to consumers. 

Organizations that need comprehensive breach information for business planning or due diligence can access as many as 90 data points through one of the three paid notified subscriptions. Subscriptions help ensure the ITRC’s identity crime services stay free.    

Contact the ITRC

If you believe you are the victim of an identity crime or your identity has been compromised in a data breach, you can speak with an ITRC expert advisor at no cost by phone (888.400.5530) or live-chat. Just go to www.idtheftcer.org to get started. 

  • According to ID.me Founder and CEO Blake Hall, the ultimate unemployment benefits fraud totals could be between $200-$300 billion for the last year.  
  • Hall also says that over 50 percent of the claims being paid on are fraudulent, individuals are applying with their own identity in multiple states, and that eligibility fraud is at 30 percent.  
  • To learn more, listen to this week’s episode of The Fraudian Slip.  
  • You can learn more about the identity-related crimes discussed in the podcast and how to protect yourself from identity fraud and compromises by visiting the ITRC’s website www.idtheftcenter.org
  • If you think you are the victim of an identity crime or your identity has been compromised, you can call us, chat live online, send an email or leave a voice mail for an expert advisor to get advice on how to respond. Just visit www.idtheftcenter.org to get started. 

Below is a transcript of our podcast with special guest Blake Hall, CEO of ID.me 

Welcome to The Fraudian Slip, the Identity Theft Resource Center’s (ITRC) podcast, where we talk about all-things identity compromise, crime and fraud that impact people and businesses. 

This month, March, we will explore one of the key issues at the root of the tsunami of fraudulent unemployment benefit claims prompted by the COVID-19 pandemic. The level of benefit fraud has gone from truly unprecedented to staggering. 

In mid-2020, the Inspector General for the U.S. Department of Labor told Congress that stolen unemployment benefits could reach $26 billion. That was before the state of California warned benefit fraud had already exceeded $11 billion just in that state. This past weekend, officials now estimate the amount of fraud to be more than $60 billion.  

Our guest on this month’s podcast, ID.me Founder and CEO Blake Hall, predicts the ultimate unemployment benefits fraud totals will be between $200-$300 billion. He also says over 50 percent of the claims being paid on are fraudulent, individuals are applying with their own identity in multiple states, and that eligibility fraud is at 30 percent.  

This is just one piece of a bigger identity-related fraud puzzle. Complaints to the Federal Trade Commission (FTC) about identity-related fraud more than doubled in 2020, with government credential and benefit fraud topping the list. 

What is the common denominator here? Automated and manual processes are used to prove we are who we say we are. I.D. verification and validation is a bedrock principle of our technology-driven world. Professional cybercriminals have largely figured out how to get around common identity proofing techniques.  

In some cases, well-meaning state officials even “pulled the goalie” last year by relaxing verification standards to help speed benefits to people impacted by the pandemic who desperately needed the help.  

There is good news to be found when it comes to identity verification. Private companies and government agencies are rapidly moving away from traditional I.D. proofing and to more modern, secure, and accurate ways of proving you are who you claim to be. 

We talked with ID.me CEO Blake Hall about the following: 

  • Traditional ways to verify identities, and how they failed in 2020 
  • State of the Art in I.D. verification 
  • What is next for I.D. verification in the age of privacy 

We also talked with ITRC CEO Eva Velasquez about the following: 

  • What happened in 2020 with identity-related fraud  
  • What individuals can do to protect themselves against identity-related fraud 
  • Resources available to help consumers protect themselves from identity-related fraud 

For answers to all of these questions, listen to this week’s episode of  The Fraudian Slip Podcast

By Eva Velasquez, president and CEO, Identity Theft Resource Center 

  • The Identity Theft Resource Center (ITRC) expects to see the number of victims of COVID-19 identity crimes continue to rise in 2021. The ITRC’s new data shows an increase in identity crime victims being targeted multiple times (28 percent in 2019 versus 21 percent in 2018) before pandemic-related identity crimes. The ITRC expects to see victims targeted multiple times continue to rise. 
  • Right now, victim resources are not top of mind for many people. Since 2018, U.S. Department of Justice funds allocated for all crime victim services has fallen from a high of $3.7 billion to $1.9 billion. 
  • Focusing on just the dollar losses of identity fraud paints an incomplete picture because it does not consider long-term impacts or each victim’s unique situation. 
  • Additional pandemic-related benefits and stimulus payments due in early 2021 will also result in more identity crime victims linked to new benefit fraud cases.  
  • Join experts from the ITRC and the Federal Trade Commission (FTC) on Monday, February 1, at 10 a.m. PST (1 p.m. EST) for a free webinar, Protecting Yourself Against Identity Theft in the Age of COVID-19. 

The last year has been a difficult one for many people. Some have lost their jobs, others have had to close their businesses and many people have gotten sick or lost loved ones from the coronavirus. Another segment of people affected has not gotten as much attention: victims of COVID-19 identity crimes.  

The Impacts of COVID-19 Identity Crimes in 2020 

Millions of state unemployment benefit-related identity theft cases have been detected across the country since March 2020. On average, the Identity Theft Resource Center (ITRC) receives less than 20 inquiries regarding unemployment benefits a year. In 2020, the ITRC had more than 700 unemployment benefits fraud victims reach out for help. 2020 also saw a sharp increase in scams. Criminals had countless opportunities to trick people with phishing scams, charity scams, healthcare scams, disaster scams and work-from-home scams.  

What to Expect in 2021 

The ITRC believes COVID-19 identity crimes will impact victims well into 2021. Many victims may not be aware that their identity credentials were misused until they receive an IRS Form 1099 for non-wage income. The ITRC’s research also shows a significant increase in identity crime victims being victimized a second time, even before the rise in fraud, scams and identity crimes in 2020. The post-pandemic analysis should show an even greater spike.  

The Ripple Effects of the Pandemic-Related Identity Crimes 

Resources for identity crimes are not keeping pace with the criminals. Trends identified by the ITRC and many private-sector researchers show that profit-motivated cybercriminals are using consumer’s and employee’s bad security habits, as well as the changing work environment, to attack businesses more often. Yet, resources for cybersecurity training and education along with identity-related crime victim assistants are moving in the opposite direction. 

Since 2018, U.S. Department of Justice (DOJ) funds allocated for all crime victim services has dropped from a high of $3.7 billion to $1.9 billion. Discretionary DOJ grants awarded to victim services organizations dropped from $311 million in 2019 to $144 million in 2020. Funds to programs that support victims of identity crimes and compromises, cybercrime, scams and fraud have been reduced to $0. 

Meanwhile, the average ransomware payment has grown from less than $10,000 per incident in late 2018 to $233,000 as of Q3 2020, with some large enterprises reportedly paying ransoms over $1 million, according to cybersecurity firm Coveware. The most common root cause (55 percent) of ransomware attacks is stolen credentials to access a business system or network remotely. 

Measuring just the dollar amount paints an incomplete picture. A dollar sign does not take into account the trauma, downstream effects and lost opportunity costs for each of the victims whose identity credentials were misused. New ITRC research that will be published in May 2021 reveals an increase in identity crime victims being targeted multiple times. Nearly 28 percent of victims reported a second identity crime in 2019 versus 21 percent in 2018. At the ITRC, we expect to see that number continue to go up, especially after the rise in COVID-19 identity crimes.  

What It Means Moving Forward 

The data shows that COVID-19 identity crimes will continue in 2021, and more victims will suffer from the trauma of a second and even third identity crime. Someone that does not trust an infrastructure that has failed them will continue to disengage. Some victims cannot meet their basic needs or find a job because they cannot pass a background check until they get the fraud resolved. How long does that take? How does someone explain that to an employer? They are simply the victim of a crime that is not acknowledged to have the devasting life impacts that it does.  

The statistics show we are not winning the battle to protect ourselves from cybercriminals. Winning will require us to devote more resources toward assisting victims and devote more time and attention to educating consumers and employees of their need to be cyber-aware and vigilant. 

What to Do If You’re a Victim of Identity Theft 

If anyone believes their information may have been compromised, we suggest contacting us toll-free. Consumers can call (888.400.5530) or live-chat with an identity theft advisor to start their remediation process. Our experts will help advise victims on the best next steps for them to take.  

Learn more  

People can learn more about identity theft and COVID-19. Join experts from the ITRC and the FTC on Monday, February 1, at 10 a.m. PST (1 p.m. EST) for a free webinar, Protecting Yourself Against Identity Theft in the Age of COVID-19. We’ll explore topics including identity theft involving unemployment benefits, federal stimulus payments, Small Business Administration loans and more. Register here

The webinar is being held as part of the FTC’s Identity Theft Awareness Week, February 1-5, 2021. To find out more about the week’s events and the FTC’s free identity theft resources, please visit the FTC’s website

  • One of the first changes in 2020 due to COVID-19 was the delay in the regular income tax filing date. Soon after that, millions of out-of-work Americans began to receive enhanced unemployment benefits and special small business loans.
  • Soon after that, cybercriminals began to steal those benefits. The Department of Labor estimates that unemployment fraud could total as much as $26 billion. California alone has seen nearly $2 billion in unemployment benefits fraud.
  • With the 2021 tax filing season quickly approaching, many people will receive a 1099 form alerting them that they must claim income they never received from the benefits they never sought.
  • To learn more, listen to this week’s episode of the Fraudian Slip.
  • People can learn about taking advantage of the Internal Revenue Service (IRS) identity protection programs or reporting identity-related issues to the IRS at IRS.gov and clicking on the Identity Theft Protection link at the bottom of the home page.
  • If anyone believes they are a victim of tax identity theft or unemployment benefits fraud, they should contact the Identity Theft Resource Center toll-free at 888.400.5530 or live-chat on the company website idtheftcenter.org.

The below is a transcript of our podcast episode with special guest, IRS

Welcome to the Fraudian Slip, the Identity Theft Resource Center’s (ITRC) podcast, where we talk about all-things identity compromise, crime and fraud, including the impact identity issues have on people and businesses.

In a typical episode, we would focus on something that has happened or is happening that impacts consumers and businesses. Not today. We are going to talk about what’s about to happen, specifically the 2021 tax filing season.

It’s been nearly a year since the COVID-19 pandemic disrupted virtually every aspect of everyday life. One of the first changes in 2020 was the delay in the traditional income tax filing date. Soon thereafter, millions of out-of-work Americans began to receive enhanced unemployment benefits and special small business loans. Shortly after that, cybercriminals began to steal those benefits. The Department of Labor estimates that unemployment fraud could total as much as $26 billion. California alone has seen nearly $2 billion in unemployment fraud.

Fast forward to today, and the spike in benefits fraud is subsiding. However, a second round of victims may soon emerge. Benefits like unemployment payments are considered income and are taxable. Thousands of the unemployment payments made in 2020 were made in the names of people whose identities were misused – and they didn’t know it. With the 2021 tax filing season quickly approaching, many people will receive a 1099 form alerting them that they must claim income they never received from the benefits they never sought. That is on top of the usual identity-related income tax fraud the IRS sees each year.

We talked with Jim Robnett, the Deputy Chief of the IRS – Criminal Investigation Division, about the following:

Overview

  • Before 2020, the number of false income tax returns linked to identity compromises was already falling. What had the IRS done that was working so well to reduce tax-related identity theft?

Pandemic-Related Tax Issues

  • The most obvious change in terms of taxes in 2020 was moving the filing date. From the IRS perspective, what was 2020 like for you?
  • Anytime there is a mass injection of money into the economy, there is fraud. The IRS played a crucial role in delivering the stimulus checks approved by Congress. What kind of response did you expect from criminals, and what did you see? 
  • We know there has been a massive amount of unemployment fraud, and that has had tax implications for victims. Explain why that is and what taxpayers should do if they suspect or know they are the victim of benefit fraud?
  • What should taxpayers do who get a 1099 form they were not expecting?
  • What about small businesses or entrepreneurs who may discover someone took out an SBA loan or other pandemic benefit in their name?

2021 Tax Issues

  • What should taxpayers do to prepare for 2021?
  • The IRS recently announced the expansion of Identity Protection PINs. That’s going to be a great tool for preventing fraud. Explain how that works and what taxpayers need to do to take advantage of the IP PIN program?

For answers to all of these questions, listen to this week’s episode of The Fraudian Slip Podcast.

Learn More From the IRS

You can learn more about taking advantage of the IRS identity protection programs or reporting identity-related issues to the IRS at IRS.gov and clicking on the Identity Theft Protection link at the bottom of the home page.

Contact the ITRC

You can learn how to protect yourself from identity fraud, crimes and compromises – including the tax-related issues we discussed today, by visiting idtheftcenter.org, where you can also read more about the latest data breach trends.

If you think you are the victim of an identity crime or your identity has been compromised, you can call us, chat live online, send an email or leave a voice mail for an expert advisor to get advice on how to respond. Just visit the website to get started.