(A) The city adopts the following red flags to detect potential fraud or identity theft.
(B) The below-listed red flags are not intended to be all-inclusive, and other suspicious activity may be investigated as deemed necessary in such situation or situations:
(1) Fraud or active-duty alerts included with consumer reports;
(2) Notice of a credit freeze provided by consumer reporting agency;
(3) Notice of address discrepancy provided by consumer reporting agency;
(4) Inconsistent activity patterns indicated by a consumer report, such as:
(a) A recent and significant increase in volume of inquiries;
(b) An unusual number of recent credit applications;
(c) A material change in use of credit; or
(d) Accounts closed for cause or abuse.
(5) Identification documents appear to be altered or are illegible;
(6) Photo and physical description do not match the appearance of the applicant;
(7) Applicant cannot provide proof that he or she is over 18 years of age;
(8) Applicant cannot prove that he or she has any connection whatsoever with the address associated with the relevant utility account, such as a lease, contract, proof of address or residency or other document indicating a connection between the applicant and the address associated with the utility account;
(9) Other information is inconsistent with information provided by the applicant;
(10) Other information provided by the applicant is inconsistent with information on file;
(11) Application appears altered, destroyed or reassembled;
(12) Personal information provided by the applicant does not match other sources of information, for example, the Social Security number is not used or the holder of such Social Security number is listed as deceased;
(13) Lack of correlation between the Social Security number range and date of birth;
(14) Information provided is associated with known fraudulent activity, for example, the address or phone number provided is the same as that of a fraudulent application;
(15) Information commonly associated with fraudulent activity is provided by the applicant, such as an address that is a mail drop or prison address, a nonworking telephone number or a telephone number associated with an answering service or pager;
(16) Social Security number, address or telephone number is the same as that of another customer or former customer, or such information is known to be fraudulent or invalid, such as an address or telephone number that is known to be nonexistent;
(17) Customer fails to provide all information requested;
(18) Personal information provided is not consistent with information already on file for a customer;
(19) Applicant cannot provide information requested beyond what could commonly be found in a purse or wallet; or
(20) Identity theft is actually reported or discovered.
(Ord. 2009-10, passed 6-1-2009)