Alerts, Notifications or Warnings from Consumer Reporting Agency | Suspicious Documents | Suspicious Personal ID Information | Unusual Use or Suspicious Activity Related to the Covered Account | Notice of Theft |
Alerts, Notifications or Warnings from Consumer Reporting Agency | Suspicious Documents | Suspicious Personal ID Information | Unusual Use or Suspicious Activity Related to the Covered Account | Notice of Theft |
A fraud of active duty alert is included with a consumer report | Documents provided for ID appeared altered or forged | Personal ID is inconsistent with external information sources: addresses do not match consumer report or Social Security (SS) number has not been issued or is listed on the Social Security Administration Death Master File | Change of billing address is followed by request for adding additional properties to the account (or shortly following the notification of a change in address, the utility receives a request for the addition of authorized users on the account) | Utility is notified by law officials or others, that it has opened a fraudulent account for a person engaged in identity theft |
Consumer reporting agency provides a credit freeze on the customer report | The photo or physical description is not consistent with the appearance of the applicant | Personal ID given by customer is not consistent with other personal ID info.; e.g., there is a lack of correlation between the Social Security number range and DOB | Payments are made in a manner associated with fraud; for example, deposit or initial payment is made and no payments are made thereafter | |
Consumer reporting agency provides a notice of address discrepancy | Other information given to open the new account is not consistent with the ID of the applicant | Personal ID provided is associated with known fraudulent activity; using same addresses and or phone number’s | Existing account with a stable history shows irregularities | |
A consumer report indicates a pattern of activity that is inconsistent with the history and usual pattern of activity of an applicant or customer such as: | Other information on the identification is not consistent with readily accessible info on file such as signature or recent check | Personal ID is of the same type associated with fraudulent activity: fictitious address, mail box drop or prison or phone number is invalid; it is associated with a pager or answering service | An account with low activity unexpectedly jumps to high consumption. Ex:1,000 kwh to 2,801 kwh | |
a. Recent or significant increase in the number of inquiries | An application appears to have been altered or forged, or gives the appearance of having been destroyed and reassembled | The Social Security number is the same as customers opening other accounts | Mail sent to customer is repeatedly returned | |
b. An unusual number of recently established credit relationships | The address or phone number is the same as a large number of other applicants | Customer notifies utility that they are not receiving their bill | ||
c. A material change in the use of credit especially with respect to new established credit relationships | The customer fails to provide all needed personal ID upon request | The utility is notified of unauthorized charges or transactions in connection with a customer’s account | ||
d. An account that was closed for cause or identified for abuse of account privileges | Personal ID is inconsistent with utility records | |||
For institutions using challenge questions, the person attempting to access or open the account cannot provide any information beyond what would typically be found in a wallet or consumer report | ||||
(Ord. 08-1110-10, passed 11-10-2008)