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IDENTIFICATION OF RED FLAGS <br />In order to identify relevant Red Flags, the City considers the types of accounts that it offers and <br />maintains, the methods it provides to open its accounts, the methods it provides to access its <br />accounts, and its previous experiences with Identity Theft. The City identifies the following red <br />flags, in each of the listed categories: <br />Notifications and Warnings From Credit Reporting Agencies <br />Report of fraud accompanying a credit report; <br />Notice or report from a credit agency of a credit freeze on a customer or applicant; <br />Notice or report from a credit agency of an active duty alert for an applicant; and <br />Indication from a credit report of activity that is inconsistent with a customer's usual pattern or <br />activity. <br />** Fees for obtaining the report or notice from the credit agency will be passed through to the <br />customers account as an "Identity Verification Fee". <br />Suspicious Documents <br />Identification document or card that appears to be forged, altered or inauthentic; <br />Identification document or card on which a person's photograph or physical description is not <br />consistent with the person presenting the document; <br />Other document with information that is not consistent with existing customer information (such <br />as if a person's signature on a check appears forged); and <br />Application for service that appears to have been altered or forged. <br />Suspicious Personal Identifying Information <br />Identifying information presented that is inconsistent with other information the customer <br />provides (example: inconsistent birth dates); <br />Identifying information presented that is inconsistent with other sources of information (for <br />instance, an address not matching an address on a credit report); <br />Identifying information presented that is the same as information shown on other applications <br />that were found to be fraudulent; <br />Identifying information presented that is consistent with fraudulent activity (such as an invalid <br />phone number or fictitious billing address); <br />Social security number or driver's license number presented that is the same as one given by <br />another customer; <br />An address or phone number presented that is the same as that of another person; <br />A person fails to provide complete personal identifying information on an application when <br />reminded to do so (however, by law social security numbers must not be required); and <br />A person's identifying information is not consistent with the information that is on file for the <br />customer. <br />• <br />2