• Identity theft is the top consumer complaint reported to the Federal Trade Commission? And, what’s worse, it has held that number one position for the last several years. 
• Identity theft isn’t just related to credit cards? Actually, identity thieves also use the identities they’ve stolen to secure loans, bank accounts, driver’s licenses, obtain medical services, gain employment, set-up telephone service and much more.

With identity theft occurrences continuing to grow, do you have a plan to safeguard your identity?

If you found out tomorrow that you had been a victim, would you know who to turn to for help?

The fact is, many of us don’t. The FTC also reports that victims of identity theft spend countless hours and more than $1,200 in out-of-pocket expenses to try to correct problems caused by identity thieves. Most Americans are very busy and many households are living pay-check to paycheck. That kind of time and money would have a significant impact on the household.

Federal Law (Quoted from FTC Available Documentation)

The Identity Theft and Assumption Deterrence Act, enacted by Congress in October 1998 (and codified, in part, at 18 U.S.C §1028) makes identity theft a federal crime.

Under federal criminal law, identity theft takes place when someone "knowingly transfers, possesses or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, and unlawful activity that constitutes a violation of federal law, or that constitutes a felony under any applicable state or local law."

Under this definition, a name or Social Security number is considered a "means of identification," So is a credit card number, cellular telephone electronic serial number, or any other piece of information that may be used alone or in conjunction with other information to identify a specific individual.

Violations of the federal crime are investigated by federal law enforcement agencies, including the U.S. Secret Service, the FBI, the U.S. Postal Inspection Service, and the Social Security Administration's Office of the Inspector General. Federal identity theft cases are prosecuted by the U.S. Department of Justice.

For the purposes of the law, the FCRA defines identity theft to apply to consumers and businesses.

Do you have protection for when YOU ARE personally a victim of identity theft/fraud?
Is your business in compliance with Federal & State Laws?
Are your employees & customers protected?

I am Warren Q. Marr III, a Certified Identity Theft Risk Management Specialist and a part of the American Fraud Solutions Group. The American Fraud Solutions Group is a fast growing group of professionals and specialist providing products and services in three areas:

1. "A Stolen Identity" - A Biblical Perspective Sermon for Churches

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