Will a National ID Card Prevent Identity Theft?

Identity Theft Expert Robert Siciliano

In a word, no. A national ID card, on its own, will not prevent all forms of identity theft. In order for new account fraud to be entirely avoidable, a number of other factors would have to come into play, effectively establishing accountability through identity proofing. Effective identity proofing is also necessary in order to reliably prevent medical and criminal identity theft.

As you might have guessed, identity proofing simply means proving that individuals are who they say they are. Identity proofing often begins with personal questions, like the name of a first grade teacher or the make and model of a first vehicle, that only the actual person would be able to answer. Of course, this technique is not foolproof, and now that personal information is so readily available over the Internet, knowledge-based authentication is probably on its way to extinction. The next step is documentation, such as a copy of a utility bill or a mortgage statement. These types of identifying documents can be scavenged from the trash, but they are more effective proof when combines with personal questions. Biometric features, such as fingerprints or iris scans, can help further authenticate an individual’s identity.

Identity scoring is another effective identity proofing method. An identity score is a system for tagging and verifying the legitimacy of an individual’s public identity. Identity scores are being used to prevent fraud in business and to verify and correct public records. Identity scores incorporate a broad set of consumer data, including components such as personal identifiers, public and government records, Internet data, corporate data, predicted behavior patterns based on empiric data, self-assessed behavior patterns, and credit records.

USA Today reports that in the four years since Congress enacted the Real ID Act, which was intended to make it more difficult to obtain a fraudulent driver’s license, the act has languished due to opposition from several states. Real ID supporters say it will not only deter terrorism but also reduce identity theft, curb illegal immigration and reduce underage drinking, all by making the nation’s identification-of-choice more secure. Homeland Security Secretary Janet Napolitano is proposing the repeal of the Real ID Act.

The Real ID Act has many provisions that are forms of identity proofing along with the potential for biometrics across the board. When Indiana checked its six million drivers against a Social Security database, it ended up invalidating 19,000 licenses that didn’t match. When Indiana began using “facial recognition” technology to make its photos secure, the state caught a man who had 149 licenses with the same photo but different names.

Is Napolitano moving backwards or forwards? Do your research and decide for yourself.

Protect yourself from identity theft;

1. Get a credit freeze. Go online now and search “credit freeze” or “security freeze” and go to consumersunion.org and follow the steps for the state you live in. This is an absolutely necessary tool to secure your credit. In most cases it prevents new accounts from being opened in your name.

2. Invest in Intelius Identity Protect. While not all forms of identity theft can be prevented, you can effectively manage your personal identifying information by knowing what’s buzzing out there in regards to YOU.
Includes;

Personal Identity Profile – Find out if you’re at risk for identity theft with a detailed report of your identity information, including a current credit report, address history, aliases, and more.

24/7 Identity Monitoring and Alerts – Prevent identity theft with automatic monitoring that scans billions of public records daily and alerts you to suspicious activity.

Identity Recovery Assistance – Let professionals help you recover your identity if you ever become a victim of identity theft.

Identity Theft Speaker Robert Siciliano discussing identity theft on Fox News

Identity Theft Expert and Speaker on Personal Security: News Media Chronicles Robert Siciliano’s Disagreement with Policymakers on REAL ID Act

(BOSTON, Mass. – April 14, 2008 – IDTheftSecurity.com) Even as news that data breaches from just the first quarter of 2008 compromised the security of more than 8 million unique data, policymakers in Washington, D.C. continued to resist efforts to implement the REAL ID Act, which aims to synchronize major forms of identification with a national ID. Politicians of any ideological stripe who oppose the legislation are doing a disservice to efforts that aim to curb the rate of fraud, said widely televised and quoted personal security and identity theft expert Robert Siciliano.

CEO of IDTheftSecurity.com and a member of the Bank Fraud & IT Security Report‘s editorial board, Siciliano leads Fortune 500 companies and their clients in workshops that explore consumer education solutions for security issues. An experienced identity theft speaker and author of "The Safety Minute: 01," he has discussed data security and consumer protection on CNBC, on NBC’s "Today Show," on FOX News, and elsewhere.

"Policymakers who resist efforts to synchronize the nation’s methods of identification through a national ID help neither those who want privacy nor those who want greater security," said Siciliano. "They instead pander, wittingly or not, to voters who fail to understand that privacy is an illusion.”

Security breaches in the first quarter of 2008 compromised about 8.3 million unique data records, an April 9th news release from the Identity Theft Resource Center stated. Dating back three years, Siciliano’s views on a revamped national identification system, which he has said would greatly hamper identity thieves’ ability to capitalize on the preponderance of data breaches, have appeared in print in response to opposing viewpoints from policymakers.

In May of 2005, a write-up of Siciliano’s appeared alongside one from 2008 U.S. Presidential Candidate and Republican Senator Ron Paul in the Costco Connection. Sicliano argued that "[o]ur current IDs are dumb," consisting of only "pieces of paper with typed words and photos laminated in plastic." For his own part, Senator Paul countered that "[a] national ID card…will allow the federal government to inappropriately the movements and transactions of every American." But Siciliano noted that "[e]verything we do from the time we are born is [already] documented.… Now we must manage our circumstances."

On March 27, the Counterterrorism Blog identified other policymakers who have opposed the REAL ID Act, such as Democrat Senator Richard Durbin and Republican Senator Lamar Alexander. And comments from Siciliano on a national ID again appeared with Senator Paul’s, this time in a story that saw widespread coverage earlier this month.

“That privacy no longer exists is lamentable,” Siciliano continued. “But without privacy, we need security more than ever. When politicians soapbox about privacy, they mischaracterize the security challenges facing this country, and citizens then clamor for solutions that don’t exist. Citizens who say that they want privacy in response to mischaracterizations of the problems the nation’s identification system faces must hear the truth: Privacy is no longer possible, but they in fact have a right, in privacy’s wake, to security—the right to know that their data is secure when in the hands of others."

The YouTube video below shows Siciliano on "FOX Newschannel,” where he explains how the ubiquity of Social Security numbers as universal identifiers helps thieves online and off-line. Those wishing to learn how to protect themselves against identity theft may view video of Siciliano at VideoJug.

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About IDTheftSecurity.com

Identity theft affects us all. Robert Siciliano, CEO of IDTheftSecurity.com and member of the Bank Fraud & IT Security Report‘s editorial board, makes it his mission to provide consumer education solutions on identity theft to Fortune 500 companies and their clients.

A leader of personal safety and security seminars nationwide, Siciliano has been featured on "The Today Show," CNN, MSNBC, CNBC, "FOX News," "The Suze Orman Show," "The Montel Williams Show," "Maury Povich," "Sally Jesse Raphael," "The Howard Stern Show," and "Inside Edition." The Privacy Learning Institute features him on its Website. Numerous magazines, print news outlets, and wire services have turned to him, as well, for expert commentary on personal security and identity theft. These include Forbes, USA Today, Entrepreneur, Woman’s Day, Good Housekeeping, The New York Times, Los Angeles Times, Washington Times, The Washington Post, Chicago Tribune, United Press International, Reuters, and others.

Visit Siciliano’s Web site, www.IDTheftSecurity.com; blog, www.realtysecurity.com/blog; and YouTube page, http://youtube.com/stungundotcom.

The media are encouraged to get in touch with Siciliano directly:

Robert Siciliano, Personal Security Expert
CEO of IDTheftSecurity.com
PHONE: 888-SICILIANO (742-4542)
FAX: 877-2-FAX-NOW (232-9669)
Robert@IDTheftSecurity.com
www.idtheftsecurity.com

Identity Theft Expert and Speaker on Personal Security: Recent Data Breaches Affect a Total of Nearly One Million Consumers as Industry Fights Legislation

(BOSTON, Mass. – Feb. 14, 2007 – IDTheftSecurity.com) Data records lost or compromised as the result of just four security breaches reported last month left nearly one million consumers possibly at risk of identity theft and related crimes. The scope, scale, and consequences of these data losses throw into question large companies’ parallel efforts to blunt the strength of proposed data breach–notification legislation, said Robert Siciliano, a widely televised and quoted personal security and identity theft expert.

"January wasn’t the only month that saw hundreds of thousands of consumers’ sensitive information go missing to thieves," said Siciliano. "And apparent carelessness and lack of concern on the part of businesses everywhere is a major factor leading to these kinds of breaches. Furthermore, with the exception of token yearlong access to free credit report monitoring, consumers end up with the bill. For industry then to fight legislation aimed at protecting these same consumers is unconscionable."

CEO of IDTheftSecurity.com and a member of the Bank Fraud & IT Security Report‘s editorial board, Siciliano leads Fortune 500 companies and their clients in workshops that explore consumer education solutions for security issues. An experienced identity theft speaker and author of "The Safety Minute: 01," he has discussed data security and consumer protection on CNBC, on NBC’s "Today Show," on FOX News, and elsewhere.

Already, data breaches have plagued numerous organizations in 2008, which has seen 28 incidents since the beginning of January, according to sources cited in a Jan. 30th article by InformationWeek. Just four of the many breaches in January saw a total of nearly one million consumers’ data records go missing:

  • A Jan. 18th article in InformationWeek reported that a backup data tape had gone missing at an Iron Mountain Inc. storage facility in October. The tape contains identifying data on 650,000 customers of retailers such as J.C. Penney and around 100 others, the article said, and belongs to GE Money USA, the company that processes credit card purchases for the various merchants involved. About 150,000 Social Security numbers are among the data on the tapes, the InformationWeek article and a Jan. 28th write-up in Computerworld both noted.
  • A Jan. 30th report from InformationWeek indicated that "sophisticated network intrusion" had compromised a computer database belonging to Davidson Companies. The breach affected data records on 226,000 current and past clients of the Montana-based financial services holding company, the article said.
  • As noted by Computerworld on Jan. 29, earlier that month T. Rowe Price had begun to inform a number of current and former customers that a data breach had occurred involving their sensitive data. A computer belonging to CBIZ Benefits and Insurance Services Inc., a third-party tax-preparer, had gone missing to thieves, according to the Computerworld report, which went on to say the machine housed about 35,000 T. Rowe Price customers’ Social Security numbers and corresponding names.
  • On Jan. 24, the Fort Worth, TX–based Star-Telegram reported that an "international gang of cyber criminals [had] hacked into" the computers of that city’s OmniAmerican Bank. Fewer than 100 accounts were directly affected, according to a bank spokesperson quoted in the article, but the Star-Telegram went on to note that OmniAmerican had issued new debit cards to about 40,000 customers.

Various state legislatures, including California’s, have regrouped their efforts to fight the hemorrhaging of data by proposing tougher laws that govern "how businesses and government agencies should notify consumers when…personal data is stolen or exposed," a Feb. 4th article in InformationWeek notes. At the same time, according to a Feb. 5th blog posting on CNET.com, large industry players such as Microsoft, Verizon, and AT&T are working to block similar legislation under consideration in the Indiana State Senate.

"One million is a very large number," said Siciliano. "And, at this very early date in 2008, the total number of lost or missing data records is actually much higher. A smart organization recognizes the value of looking out for its customers’ best interests and of nurturing the perception that it in fact does so. But nobody wins when industry fights good-faith legislative efforts that endeavor to help customers who have no say over how large companies handle and secure data."

Readers may view YouTube video below of Siciliano on "FOX News," where he explains how the ubiquity of Social Security numbers as universal identifiers helps thieves online and off-line. Those wishing to learn how to protect themselves against identity theft, a major concern for anyone who has fallen prey to online scammers, may view video of Siciliano at VideoJug.

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About IDTheftSecurity.com

Identity theft affects us all. Robert Siciliano, CEO of IDTheftSecurity.com and member of the Bank Fraud & IT Security Report‘s editorial board, makes it his mission to provide consumer education solutions on identity theft to Fortune 500 companies and their clients.

A leader of personal safety and security seminars nationwide, Siciliano has been featured on "The Today Show," CNN, MSNBC, CNBC, "FOX News," "The Suze Orman Show," "The Montel Williams Show," "Maury Povich," "Sally Jesse Raphael," "The Howard Stern Show," and "Inside Edition." The Privacy Learning Institute features him on its Website. Numerous magazines, print news outlets, and wire services have turned to him, as well, for expert commentary on personal security and identity theft. These include Forbes, USA Today, Entrepreneur, Woman’s Day, Good Housekeeping, The New York Times, Los Angeles Times, Washington Times, The Washington Post, Chicago Tribune, United Press International, Reuters, and others.

Visit Siciliano’s Web site, www.IDTheftSecurity.com; blog, www.realtysecurity.com/blog; and YouTube page, http://youtube.com/stungundotcom.

The media are encouraged to get in touch with Siciliano directly:

Robert Siciliano, Personal Security Expert
CEO of IDTheftSecurity.com
PHONE: 888-SICILIANO (742-4542)
FAX: 877-2-FAX-NOW (232-9669)
Robert@IDTheftSecurity.com
www.idtheftsecurity.com

The media may also contact:

Brent W. Skinner
President & CEO of STETrevisions
PHONE: 617-875-4859
FAX: 866-663-6557
BrentSkinner@STETrevisions.biz
www.STETrevisions.biz

Identity Theft Expert and Speaker on Personal Security Chastises Lobbying Groups’ Attempt to Weaken States’ Credit Freeze Laws

(BOSTON, Mass. – July 20, 2007 – IDTheftSecurity.com) News reports have documented industry lobbyists’ efforts to roll back credit freeze legislation. Robert Siciliano, a widely televised and quoted personal security and identity theft expert, said no one should disallow consumers from freezing their credit. According to Siciliano, the credit freeze is the best recourse available for any consumer who might be at risk of identity theft.

“Consumers lacked the credit freeze for a long time precisely because of its added cost to provide,” said Siciliano. “And legislators everywhere must continue to push for and defend the credit freeze as an option for consumers, as it’s no wonder that groups shouldering these costs would try to shirk the responsibility.”

CEO of IDTheftSecurity.com and a member of the Bank Fraud & IT Security Report’s editorial board, Siciliano leads Fortune 500 companies and their clients in workshops that explore consumer education solutions for security issues. A longtime identity theft speaker and author of “The Safety Minute: 01,” he has discussed data security and consumer protection on CNBC, on NBC’s “Today Show,” FOX News, and elsewhere.

On June 25, USA Today reported in detail efforts by the Consumer Data Industry Association (CDIA), lobbying group for the three major credit bureaus, to reverse more than 35 states’ pro–credit freeze legislation. Brief reports also ran in Identity Theft Daily, ImediNews, and elsewhere, and The Rochester Democrat and Chronicle published an editorial questioning the CDIA’s wisdom and motives. According to the article in USA Today, the CDIA maintains that identity theft is less widespread than report have stated.

“Plenty of research points to the growing prevalence of identity theft,” said Siciliano. “Studies finding otherwise are few and have attracted strong skepticism. But contrarian data has been useful to organizations wishing to downplay the pervasiveness of this crime and the attendant need consumers have to defend themselves with the credit freeze.”

Many studies have pointed to steady, year-over-year increases in identity theft and other credit-related crimes. For instance, research released in March of this year by Gartner found that 15 million Americans fell prey to identity theft–related fraud in 2006. The number was a 50 percent increase over the 9.9 million Americans that the Federal Trade Commission had estimated, in 2003, would be affected by year 2006.

“A perfect storm of variables is driving a boom in identity theft and fraud,” said Siciliano. “Illegal immigration, increasingly sophistication computer hacking, inattention to data security, drug addiction, and more are fueling the rise of identity theft, an easy way for criminals to make money. Often, the consumer’s only shelter is the credit freeze. Industry efforts to disallow the credit freeze only make it another part of that storm.”

Readers may view YouTube video below of Siciliano on the “The Morning Show With Mike and Juliet” discussing the benefits of credit freezes with a child identity theft victim whose father racked up over $3 million in debt under the youth’s name.

To learn more about identity theft, readers may view video of Siciliano at VideoJug.

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About IDTheftSecurity.com

Identity theft affects us all. Robert Siciliano, CEO of IDTheftSecurity.com and member of the Bank Fraud & IT Security Report’s editorial board, makes it his mission to provide consumer education solutions on identity theft to Fortune 500 companies and their clients.

A leader of personal safety and security seminars nationwide, Siciliano has been featured on CNN, MSNBC, CNBC, “FOX News,” NBC’s “Today Show,” “The Suze Orman Show,” “The Montel Williams Show,” “Maury Povich,” “Sally Jesse Raphael,” “The Howard Stern Show,” and “Inside Edition.” The Privacy Learning Institute features him on its Website. Numerous magazines, print news outlets, and wire services have turned to him, as well, for expert commentary on personal security and identity theft. These include Entrepreneur, Woman’s Day, Mademoiselle, Good Housekeeping, The New York Times, Los Angeles Times, Washington Times, The Washington Post, Chicago Tribune, United Press International, Reuters, and others.

Visit Siciliano’s Web site, www.IDTheftSecurity.com; blog, www.realtysecurity.com/blog; and YouTube page, http://youtube.com/stungundotcom.

The media are encouraged to get in touch with Siciliano directly:

Robert Siciliano, Personal Security Expert
CEO of IDTheftSecurity.com
PHONE: 888-SICILIANO (742-4542)
FAX: 877-2-FAX-NOW (232-9669)
Robert@IDTheftSecurity.com
www.idtheftsecurity.com

The media may also contact:

Brent W. Skinner
President & CEO of STETrevisions
PHONE: 617-875-4859
FAX: 866-663-6557
BrentSkinner@STETrevisions.biz
www.STETrevisions.biz