O-2009-3138 Identity Theft Prevention Program

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(3) Notice or report from a credit agency of an active duty alert for an applicant; and (4) Indication from a credit report of activity that IS inconsistent with a customer's usual pattern or activity. c. Red Flags for Suspicious Documents (1) Identification document or card that appears to be forged, altered or inauthentic; (2) Identification document or card on which a person's photograph or physical description is not consistent with the person presenting the document; (3) Other document with information that is not consistent with eXlstmg customer information (such as if a person's signature on a check appears forged); and (4) Application for service that appears to have been altered or forged. d. Red Flags for Suspicious Personal Identifying Information (1) Identifying information presented that is inconsistent with other information the customer provides (example: inconsistent birth dates); (2) Identifying information presented that is inconsistent with other sources of information (for instance, an address not matching an address on a credit report); (3) Identifying infoffi1ation presented that is the same as infoffi1ation shown on other applications that were found to be fraudulent; (4) Identifying information presented that is consistent with fraudulent activity (such as an invalid phone number or fictitious billing address); (5) Social security number presented that is the same as one given by another customer; (6) An address or phone number presented that is the same as that of another person; (7) A person fails to provide complete personal identifying information on an application when reminded to do so (however, by law social security numbers must not be required); and S:\Council Agenda,; - Dram04272009\Finance\La Pone Red Flag Policy (final for adoption 4 27 (9)doc3