All employees responsible for or involved in the process of opening a covered account, restoring a covered account or accepting payment for a covered account shall check for red flags as indicators of possible identity theft and such red flags may include:
(A) Fraud or active duty alerts included with consumer reports;
(B) Notice of credit freeze provided by consumer reporting agency;
(C) Notice of address discrepancy provided by consumer reporting agency;
(D) Inconsistent activity patterns indicated by consumer report such as:
(1) Recent and significant increase in volume of inquiries;
(2) Unusual number of recent credit applications;
(3) A material change in use of credit; or
(4) Accounts closed for cause or abuse.
(E) Identification documents appear to be altered;
(F) Photo and physical description do not match appearance of applicant;
(G) Other information is inconsistent with information provided by applicant;
(H) Other information provided by applicant is inconsistent with information on file;
(I) Application appears altered or destroyed and reassembled;
(J) Personal information provided by applicant does not match other sources of information (e.g., credit reports, social security number not issued or listed as deceased);
(K) Lack of correlation between the social security number range and date of birth;
(L) Information provided is associated with known fraudulent activity (e.g., address or phone number provided is same as that of a fraudulent application);
(M) Information commonly associated with fraudulent activity is provided by applicant (e.g., an address that is a mail drop or prison, non-working phone number or associated with answering service/pager);
(N) Social security number, address or telephone number is the same as that of other customer at utility;
(O) Customer fails to provide all information requested;
(P) Personal information provided is inconsistent with information on file for a customer;
(Q) Applicant cannot provide information requested beyond what could commonly be found in a purse or wallet; and/or
(R) Identity theft is reported or discovered.
(Ord. 16, 2010, passed - -)