ie8 fix

Are you to blame for your child’s identity being stolen? (Case study)

By | November 8, 2011, 6:25am PST

Summary: In this cautionary tale, I delve into identity theft and how a parent could very well end up responsible for ruining their child’s credit, or worse. This is one case study you don’t want to miss.

You may or may not be familiar with previous posts of mine in regards to content I’ve been able to flesh out with Google, but one topic I haven’t covered yet in the manner that I plan to below is how someone can easily become responsible for their child’s identity being stolen, credit being ruined, etc. It’s becoming far too easy to have private information end up in Google’s index without you legitimately having any inkling that it could.

At any given moment, I could have a handful of Social Security numbers with which to wreak havoc. Unfortunately, it’s far too easy to find that information not just in Google, but other places as well. Even more unfortunate is how simple it is to connect the dots and have yourself an amazing personal profile built on an individual. Let this post serve as a cautionary tale for you and your loved ones (pass it on for them to read) and think twice before you so willingly store sensitive information anywhere but on your computer. And as for the title of this post? It will become clear in a moment.

[Related: Beware: Social Security numbers available online via indexed tax documents]

As a case study, I decided to see how much information I could dig up on a random person after discovering, via some advanced Google querying, their SSN residing in tax documents stored online.

So, what all is in a tax document? Income, SSN, name, address, and more. In and of itself, this is enough to cook up a nasty case of identity theft, but you can take it a step farther. In my case study, I randomly found the tax documents of a girl who is now 20+ years of age. Her father is to blame for placing them on their free server space allocated to them from their ISP — an easy mistake to make if you, like he, didn’t understand how the information could end up in Google. More on that in a bit.

Now, this particular case is especially bad, because accompanying the tax documents throughout other folders I found my way to was just about everything under the sun: scanned copies of the girl’s past driver’s licenses, current employer information, credit-related information, tons of family pics, bank account information, and more. And this is just from her. I won’t break down all the information the father had of his own there. Anyway, from this, I was able to locate this girl on Facebook, MySpace, LinkedIn, and more. And thanks to her MySpace alias being what it is, I was able to find her email address, forums she posts on, her eBay user account, her Etsy user account, and the list goes on.

Now, you don’t have to tell me how creepy that sounds, because I know how creepy that sounds. Obviously, I’m not some stalker guy who’s bent on, well, stalking someone, but if I was, I would have been in hog heaven. The stalking issue is a separate issue all on its own, in terms of the information you store online, but I wanted to see just how deep this rabbit hole went. And it didn’t take long to find out, either, what with maybe 30 minutes being spent, tops, to find everything that I did. By the end of my journey, I was both dumbfounded and depressed by the thought of this girl’s identity being capable of exploitation to this degree.

It goes without saying that it wasn’t difficult for me to find out how to contact her and inform her of all of this after everything I’d discovered.

But perhaps even worse than the aforementioned… and this is really the kicker… is this girl’s much younger sister, whose father claims her on his taxes. Right there in a tax document of his was her SSN and name. Is this young girl going to be in for a rude awakening the day she goes to apply for something requiring a credit check? What if she tries to land a job early on that requires a credit check? I can’t even begin to stress to you the alarming rate I see instances of this within documents I find, thus, the title of this post being what it is.

I explained all of this to the young woman I informed of my findings and urged her to reach out to her father and let him know (which I would have attempted to do had I not heard back from her within a couple of days).

Lo and behold, after hearing back from her the day after, I received an email from her father a few days later and he thanked me profusely for informing them of my findings. Understandably, he was quite shaken up and upset with himself, but even more than that, he was angry at his ISP. Now, you may be thinking that this guy’s the one who stored all of this information online, but I think he has a legitimate reason for being upset: his ISP hadn’t made it transparent enough that the server space allocated to their users is all open to search engine indexing. After all, he had to log into a portal which allowed him to store all of this information and he had absolutely no idea that the directory he stored files in even had a URL that could be directly accessed — much less without authentication.

The accessible URL looks something like this: http://www.randominternetisp.com/userdirectorytitle/~usernamehere/documentshere

Having been a user of his ISP for many years, and though terminology now exists in their user TOS in regards to storage space provided being accessible without authentication, he insists such was not the case previously in regards to such terminology existing in their TOS. I’m not here to play the blame game and choose sides between the father and the ISP, but whatever the case may be, the lesson here is clear: make sure you (or your parents/children/loved ones) understand how your information is going to be treated once you store it anywhere remotely, be it via server space allocated to you from your ISP, server space somewhere in the cloud (especially free services, like SkyDrive), or otherwise. Unfortunately, it’s only going to get easier for things like this to happen as remote storage becomes a more enticing and easily leveraged option for everyone.

So, files have been removed, and now, damage control is underway for this father and his two daughters. I’ve no idea if any damage has currently taken place with any of them credit-wise, but I won’t push the issue upon them any more by inquiring about it. Also, I’ve chosen not to name the ISP as of this moment due to their users’ directories all being accessible in the manner that they are currently. However, if you’re concerned enough to see if your ISP follows a similar practice, either head to your ISP’s home page and search through their support pages, or reach out to support via phone or email.

Where do you think the line exists these days between a service provider’s transparency and a paying customer’s ignorance or stupidity? I’m interested to read your feedback, so let us know your thoughts in the comments below!

-Stephen Chapman

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Stephen is a freelance writer based in Charlotte, NC.

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Stephen Chapman

Stephen Chapman is a freelance writer and content strategist. All work that Stephen does for ZDNet is on a contractual basis.

It is left to Stephen's discretion whether or not to accept assignments from prospective clients who discover him through ZDNet. Such endeavors have no association with ZDNet and, unless otherwise agreed upon, are kept separate and private in the interest of all parties involved. You may freely contact him for consulting, training, and/or public speaking inquiries.

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Biography

Stephen Chapman

Stephen is a freelance writer based in Charlotte, NC.

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mwzhaye 26 afk
cmakrekwe3801-24379060681576133022911271929798 25th Nov
nmospk,hhvieqtu34, fdsvw.
If you want out of the house copy of your sensitive data so you don't loose it in case of fire, I suggest to bring a copy to a trusted friend/relative or burn a CD and put it in a safe deposit box at a bank.
@lepoete73
Bank safe deposit box seems to me to be the most trustworthy and secure location. That's an excellent idea.
Welcome to the Cloud!! If you want data to be accessible by everyone, go ahead and use the cloud. DO NOT EXPECT ANY PRIVACY! Especially from the government.
@davidmpaul

Absolutely. If it's not under your roof, then it's in the wild. Get an external drive and back up your data to it on a regular basis, and store it in a fireproof box or at the bank.
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@Stephen
>>>"But perhaps even worse than the aforementioned and this is really the kicker is this girls much younger sister, whose father claims her on his taxes. Right there in a tax document of his was her SSN and name. Is this young girl going to be in for a rude awakening the day she goes to apply for something requiring a credit check? What if she tries to land a job early on that requires a credit check?"


@Stephen What point is this statment making? I get the overall disaster; but fail to see what this connotates.
Please amplify.
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Contributr
@ChoMlo Basically, the action of a child's identity being stolen has a good chance of not being discovered/detected until the child becomes old enough to start making credit inquiries. By that point, the amount of damage can be quite severe.

That's in contrast to it happening to an adult, who can typically be notified quicker.
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Sorry to inform you, but...
rmazzeo 8th Nov
@ChoMlo ..."connotate" is not a word. I cringe when people use words without knowing their meanings, or lack thereof. I heard a talking head use the word "impactful" the other day. NOT A WORD, people! Look it up!
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@rmazzeo >>> ..."connotate" is not a word. I heard a talking head use the word "impactful" the other day. NOT A WORD, people! Look it up!
Also found at http://dictionary.reference.com/browse/impactful
...however...
http://www.urbandictionary.com/define.php?term=impactful
claims in part that the "word" impactful is, among other things, "A non-existent word coined by corporate advertising, marketing and business drones..."

impactful being a non-word backed up here: http://public.wsu.edu/~brians/errors/impactful.html, with handy icons next to the word and the word you should replace it with just in case you missed the point.

FYI, dictionary.com seems to list this as a "real" word, but if you look closely, it's filed under "Dictionary.com's 21st Century Lexicon."

tl;dr - all languages are fluid and constantly changing. If you think a word isn't "real" wait a decade and then check back with the same source.

IMO / YMMV - "connotate" is an old *obsolete* word, so it's been grandfathered in. "Impactful" sounds like marketing BS, so I agree that it is fake.
@rmazzeo et al,
connote is the correct word
What about your mother's and father's identity? Do you know what their SS number is? Check it out it could be more than your children it could be your own or your parents. Identity must be changed in some way that does NOT involve Social Security numbers, perhaps the old Federal Law that addressed the use of the Social Security Number? I remember that once it was NOT to be used for identity purposes. That use continued because someone saw it as the EASY ANSWER to a much more difficult problem.
I also would like to understand what the credit problem would be for the child whose SSN and name were in the father's tax documents.
@ScottVS See my answer to ChoMlo above.
@ScottVS
A malicious individual could use that to open credit card accounts, rack up bills, not pay them and ruin her credit - all at an age where it's unlikely to be noticed. Other things are also possible, but that's an easy one.
@ScottVS

Because someone else (a bad guy) has the young daughters name and SSN, they could sell it to someone to setup a false identity, then use it for quite a while, because the girl is unlikely to check her credit score for many years. During that time, it is easy to get credit cards, etc. Get busted, give the girl's name and SSN, creating a criminal record for her.

Plenty of opportunities for bad things.
@ScottVS


once you have a name, ssn , and address you can start getting credit cards and such on line created. by the time a 3 year old goes to college the damage is unrepairable . How about the government college fund you have been paying on for over 15 years being taken by someone else or having a lean against it for past unpaid debts against that SSN.
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Why should someone have to ask their ISP...
GrizzledGeezer Updated - 8th Nov
...whether the files they've stored are open to unauthorized search? THEY SHOULD NOT BE, and the ISP should block access, as a matter of course.
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Yes, YOU are to blame.
Sceptical Observer 8th Nov
ANYTHING out there in the Web Cloud is accessible by individuals and governments who do not have good intentions and without court orders or any such legal niceties.
YES, I AM paranoid. But am I paranoid enough? And just because I might be doesn't mean that I'm wrong.
I blame the government (and the people who have elected them).

It should be illegal for anyone (or Gov Agency) to use a SSN# for anything other than Social Security. Under that scenario, identity theft would not be what it is today.
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...Stephen's strong suit - I quote - "....numbers with which to wreak havoc with." Can't be a typo. But I digress...

It should be against the law to do a credit check for ANY job, except for a high ranking government position, one which also requires "secret" clearance. I have gone so far as to turn down offers from companies that require for this information. Drug use & criminal history are one thing, my personal credit is entirely another. This is just another way to invade my privacy, & I refuse to take it lying down. Eye-opening article, btw...thanks!
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I think the "with" at the end of the following sentence from the article is a typo.
"At any given moment, I could have a handful of Social Security numbers with which to wreak havoc with."
@AMusnikow Missed that one when proofreading. Thanks for pointing it out. Editing accordingly. happy

-Stephen
Another problem I have found is the copying of your banks website, but with a URL that is just one adjacent letter off. So, if you type the URL and make a mistake, you wind up on an almost identical site, with the same colors, fonts and logos as your banks. This fraudulent site has input boxes for your account number and password which, without a doubt, go directly to someone who will immediately empty your accounts. And the worst part is if you exit the page without realizing it was fraudulent, you probably couldn't remember what you miss-typed to get there in the first place.
If you're going to store it on the cloud at least encrypt it, pick an encryption algorithm carefully and create a long random key.

Don't think anyone can decipher the encryption, guess again!
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If you think THAT's bad
wbaxterwork 8th Nov
I was horrified to find out what a friend was posting in dropbox. This friend was totally unaware how open it was. My kids used to put all sorts of personal information on facebook, though never anything like DL or SSN numbers, until I gave them articles about the perils of that sort of thing.

Rule #1:
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to send them a wire transfer in the amount of $35 thousand dollars.

The person attempting the theft was apparently familiar with my bank accounts, including my home equity line of credit account that was being targeted.

The person had actually produced a copy of my driver's license, which the bank requested from him, and other information with which only myself and the bank are familiar, such as my wife's name and the names of my children, my phone numbers, and a few other bits of information.

The "thief" was familiar with my manner of speaking, and attempted to pass himself as me to the bank manager who was supposed to approve the transaction for the wire transfer.

The bank (really, a credit union), recorded the conversation between the thief and the manager, and, apparently, the manager picked up some suspicious bits in the conversation, to the point that, they told the thief that, they'd first have to contact the owner of the account and ask that he come in to verify the transaction and he amount. When I was contacted, I told the bank manager to hold off on all activity on my accounts and that I would be at the bank in a couple of hours. I also called all of the other banks where I had accounts and told them to stop all activity against my accounts there, and I also called the 3 credit bureaus to get my credit histories for the last few years, and told them to report any activity on any of my accounts, for the next 3 months.

The bank manager showed me all of the evidence of the attempted theft, including the recorded conversation, and the copy of my driver's license, and that of my son.

The recorded conversation told me that, the thief is someone who had actually heard me do an actual wire transfer, by phone, a few months earlier, where I transferred money to my daughter's bank account. The person actually sounded like he was attempting to copy my way of talking and even tried a bit of an accent to try to sound Hispanic. (I'm Hispanic, but, I don't speak with an accent.)

To sum it all up, it is my opinion that, all of the information that was gathered by the thief, was done outside of the internet, and via my banking transactions. So, my conclusion is that, it was an inside job, at one of the banks involved with the wire transfer to my daughter's bank account. So, whoever it was (we never pursued or found out who was doing it, since the bank manager suggested it was done from a foreign number), either worked for my bank or my daughter's bank, and shared my information with the thief, or was the thief himself.

Taking my information and going to the driver's license bureau to get a copy of my driver's license is not difficult, but, there should be better regulations regarding who can get a copy.

The bottom line to the story is that, most information that a thief needs, can be gotten off-line, just as easily as from on-line sites, like the author above states.

Since I don't store my private information on-line, nor on my personal computers, I know that the theft of my ID did not come from somebody accessing it through the internet. Now, it's possible that my information was accessed from my bank through the internet, but, the attempt to duplicate my way of speaking cannot come from the internet, since I don't share any personal information through any video or audio service on-line, and I also don't store any of that.

I know the dangers of the internet, and I also know the external dangers. The fact is that, if somebody is determined to steal IDs or other personal information, it can be done, online and offline.
Can anyone say How this would work in the UK or any country that does not regularly use social security numbers for Identity?
@robertfarnes

NI numbers are used freely (nowadays) as unique identifiers in the UK. Years ago only you, the payroll department and the tax office had access - nowadays even the dole office use them, not to mention job agencies, banks etc etc.
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A friend of mine that has changed his ways told me how he got stolen ID and got credit cards and built up the guys credit rating real high after a couple of years. He even bought and sold houses under this guys name.

Then he maxed out all the credit cards and sold the last house or borrowed money agains it not sure how he did it but he walked away with one big pile of cash.

He was doing this to two other people at the same time. He was still a young man when he pulled this off so I wonder what a guy with a few years under his belt could have done. Scary eh? Here I was many years older than him and he had more money in his car than I made in my lifetime. He got away with it.
If you absolutely MUST upload personal or semi-personal info to the "cloud" or any other networked machine then make sure that you first store a strongly encrypted version locally.
The key should be one known only to you, and used nowhere else.
You can then safely upload the encrypted files.
Note that you can ignore any claims of the uploading mechanism about encryption, since you have to share your key with them - indeed you needn't worry how secure this shared key is.
This is going to be the next big Ponzi scheme and get this:

The perpetrators won't be found out until years (dare I say decades?) after the REAL damage has been done! By then the perps will have disappeared down so many rabbit holes that the cops, no matter how good they are (will have to become) with computers, will ever catch but only the too stupid to properly cover their tracks.
This is going to be the next big Ponzi scheme and get this:

The perpetrators won't be found out until years (dare I say decades?) after the REAL damage has been done! By then the perps will have disappeared down so many rabbit holes that the cops, no matter how good they are (will have to become) with computers, will never catch but only the too stupid to properly cover their tracks.
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mwzhaye 26 afk
cmakrekwe3801-24379060681576133022911271929798 25th Nov
nmospk,hhvieqtu34, fdsvw.

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