Examples of Red Flags
- Documents provided for identification appear to be altered or forged.
- The photo or physical description on identification is not consistent with the appearance of the presenter.
- Information on identification is not consistent with other information provided by the presenter.
- Information on identification is not consistent with information on file with the University or unit, such as a signature card or a recent check.
- An application appears to be altered, forged, or reassembled from one that was destroyed.
Suspicious personally identifying information
- The identifying information provided is inconsistent with external sources used by the University or unit. For example:
- An address does not match a consumer report.
- The Social Security number (SSN) has not been issued, or it is listed on the Social Security Administration's Death Master File.
- The SSN range does not correlate with the birthdate.
- Identifying information provided is known fraud or commonly associated with fraud. For example:
- The address or phone number matches that provided on a fraudulent application.
- The address is fake, a mail drop, or a prison.
- The phone number is invalid or that of a pager or answering service.
- Identifying information is identical or similar to that provided by a large number of other customers, such as:
- An SSN matches that of another one provided by other customer.
- An address, phone number, or account number matches or is similar to that of other customers.
- A customer fails to provide all required identifying information on an application or in response to notice of an incomplete application.
- Identifying information provided is inconsistent with information on file with the University or unit.
- A customer cannot provide authenticating answers beyond what is generally available in a wallet or consumer report when responding to challenge questions.
Unusual or suspicious account activity
- Shortly following the notice of a change of address, the University or unit receives a request for a new, additional, or replacement card, or for additional authorized users.
- A new revolving credit account is used in a manner commonly associated with fraud. For example:
- Most available credit is used for cash advances or to buy merchandise (such as electronics or jewelry) that is easily converted to cash.
- A customer fails to make the first payment or subsequent payments after an initial payment.
- An account is used in a manner that is not consistent with established activity. For example, there is:
- Nonpayment when there is no history of late or missed payments
- Material increase in the use of available credit
- Material change in spending patterns
- Material change in electronic fund transfer patterns
- An account that had been inactive for a relatively long period of time (taking into consideration the type of account, expected pattern of usage, and other relevant factors) is used.
- Mail is repeatedly returned as undeliverable despite continued account usage.
- The University or unit is notified that the customer is not receiving paper account statements.
- The University or unit is notified of unauthorized charges or transactions for a covered account.
Notice of possible identity theft
A unit is notified that it has opened a fraudulent account for a person engaged in identity theft. This notice may come from a customer, a victim of identity theft, a law enforcement authority, or any other person.
Alerts, notices, or warnings from a Consumer Reporting Agency (credit bureau)
- A fraud or active duty alert is included with a consumer report.
- A credit bureau provides a notice of credit freeze.
- A credit bureau provides a notice of address discrepancy.
- A consumer report indicates activity that is inconsistent with the history and usual activity of an applicant or customer, such as:
- Recent and significant increase in the volume of inquiries
- An unusual number of recently established credit relationships
- Material change in the use of credit, especially recently established credit relationships
- An account was closed for cause, or identified for abuse of privileges
Last Updated: January 27, 2016