The Town of Atlanta adopts the following red flags to detect potential fraud. These are not intended to be all-inclusive and other suspicious activity may be investigated as necessary.
(A) Alerts, notifications, and warnings from a credit reporting company.
(1) Fraud or active duty alerts included with consumer reports;
(2) Notice of credit freeze provided by consumer reporting agency;
(3) Notice of address discrepancy provided by consumer reporting agency;
(4) Inconsistent activity patterns indicated by consumer report such as:
(a) Recent and significant increase in volume of inquiries;
(b) Unusual number of recent credit applications;
(c) A material change in use of credit;
(d) Accounts closed for cause or abuse.
(B) Suspicious documents.
(1) Identification documents that appear to be altered;
(2) Photo and physical description that do not match appearance of applicant;
(3) Other information that is inconsistent with information provided by applicant;
(4) Other information provided by applicant that is inconsistent with information on file;
(5) The application appears to be altered or destroyed and reassembled.
(C) Suspicious personal identifying information.
(1) Personal information provided by applicant that does not match other sources of information (e.g., credit reports, social security number not issued or listed as deceased);
(2) Lack of correlation between the social security number range and date of birth;
(3) Information provided is associated with known fraudulent activity (e.g., address or phone number provided is same as that of a fraudulent application);
(4) Information commonly associated with fraudulent activity is provided by applicant (e.g., address that is a mail drop or prison, non-working phone number or phone number associated with answering service/pager);
(5) Social security number, address, or telephone number is the same as that of other customer at utility.
(D) Customer fails to provide all information requested.
(E) Personal information provided is inconsistent with information on file for a customer.
(F) Applicant cannot provide information requested beyond what could commonly be found in a purse, wallet or credit report - for example, a person who cannot answer a challenge question.
(G) Identity theft is reported or discovered.
(Ord. 12-2012-2, passed 12-11-2012)