In short, companies that offer credit reports and security monitoring are vulnerable to attack from hackers, creating huge opportunities for thieves wanting to still another's credit. If you feel that you're credit has been compromised in any way, hire a private investigator to help you with the investigation and to do a thorough risk assessment of your daily online and offline activities.
Hackers turn credit report websites against consumers
In short, companies that offer credit reports and security monitoring are vulnerable to attack from hackers, creating huge opportunities for thieves wanting to still another's credit. If you feel that you're credit has been compromised in any way, hire a private investigator to help you with the investigation and to do a thorough risk assessment of your daily online and offline activities.
A useful book
New format: Also, a few notes on social networking safety
- How Facebook is fueling a new breed of social scams
For example: - Facebook Identity Theft: Thieves Use Deceased Child’s Photos For Online Donations
- Facebook birthday T-shirt scam steals secret mobile email addresses
It's that time of the year... to wrap things up and open new gifts
- Filet Mignon
- Jameson (liquors)
- Electric tools
- iPhone4
- Gillette Mach4
- Axe (deodorants)
- Polo Ralph Lauren
- Let's Rock Elmo
- Chanel No. 5
- Nikes
Another privacy issue, another reason to hire a private investigator
An Ohio teacher recently sued a computer tracking company for sex spying. In this case, as described in the article and summarized below, the Ohio substitute teacher, Susan Clements-Jeffrey, had a webcam chat of a sexual nature with her boyfriend. This was at her home, in private. Little did she know, her laptop was actually stolen property being aggressively monitored by Absolute Software, a private company that specializes in tracking stolen computers.
The computer was actually property of Ohio's Clark County School District, which uses Absolute Software to install hidden tracking software on all of its machines. This assists in recovery in the case of theft. As noted in the referenced article, "Absolute's software, known as LoJack for laptops, gives the company total remote access to the computer's data, which it records. LoJack is a highly-rated security service — and an entirely legal one — but in this case, Absolute is under fire for potentially violating the Electronic Communications Privacy Act and the Stored Communications Act, which details guidelines for virtual privacy." The issue is that Absolute's theft officer recorded Clements-Jeffrey's keystrokes and snapped three sexually explicit screenshots, and passed these along to the Springfield, Ohio police department. Clements-Jeffrey and her partner are currently suing Absolute, Magnus, the city of Springfield, and two police officers for violating their Fourth Amendment rights.
This is certainly an alarming story--one that does not reflect well on the private security industry. However, as with all news--good or bad--about a profession, much can be learned by unpacking the story's lessons. In this case, it should lead individuals to consider the following two things:
- Consider contracting with smaller companies. Small investigative and security firms can do many of the things that Absolute does. Need your computers monitored or stronger internet security? A professional, private investigator can do this for you. In many cases, the smaller company subcontracts with companies that offer global property tracking services. So the service coverage is the same. However, with a smaller company you get higher quality, safer, and monitoring free of legal error. Though you may not get the same cost advantage as going with a larger firm, you do get the benefit of a more personalized service. Smaller companies often only employ a few investigators, who are micromanaged. Direct supervision of employees or the actual work of a licensed, bonded, and experienced investigator (who is required to know laws and take continuing education) mitigates the possible poor judgment of lower-paid or low-skilled agents. In the end, piece of mind is worth the extra expense up front. In the case that it leads to a lawsuit, the minor additional costs of contracting with a small company will far exceed the costs of errors caused by larger firms.
- Hire an investigator to check sellers, buyers, and products. Sometimes, a good deal is not too good to be true. However, if you are suspicious that one is (e.g., a $60 laptop) then spend an extra $100 to check the deal out. A private investigations company can do a background check on the equipment, check it for spyware, do a background check on the seller (or buyer) and so on. Obviously, for more expensive items, or when selling online, you definitely want to consider hiring a private investigator to facilitate and guide the process.
CYA: Get ToneCheck to monitor your company
Small business owners, are you prepared for holiday scams, fakes, and cheats?
According to the survey, 93.1% of retailers said stolen merchandise has been returned to their stores in the past year, up from 88.9 percent in 2008. In addition, three-quarters of retailers (75.4%) say they have experienced returns of merchandise purchased with fraudulent or stolen tender while 43.1 percent say they have experienced returns using counterfeit receipts. Nearly half (46.2%) also report that wardrobing—the return of used, non-defective merchandise like special occasion apparel and certain electronics—has been an issue for their company within the past year.The same survey, however, also indicates that there is some hope:
Though return fraud continues to plague the retail industry, changes in policies have helped companies see improvements in some areas. According to NRF’s annual Return Fraud Survey, completed by loss prevention executives at 134 retail companies, two-thirds of retailers (69%) say their company’s return policy has changed in the past to account for fraud. However, the losses remain staggering: the retail industry will lose an estimated $2.7 billion in return fraud this holiday season and an estimated $9.6 billion this year.But where do you begin if you’re a small business? National and regional businesses have more resources, which often include their own in-house loss prevention specialists. Because they need to have comparable return policies as their larger competitors, but lack security expertise, small business retailers are more exposed to the risk of fraudsters. This is one reason to permanently retain a professional investigator or security consulting company. According to Dr. Craig Engstrom, a small business consultant and assistant professor at The University of Montana, “Small retail and restaurant owners understand that bogus returns and counterfeit coupons put a major dent into their profits. However, most small business owners—especially those with fewer resources—seem to be at a loss about where to begin. I recommend to my clients and students to outsource to professional investigators.”
In a previous post, I already explained the benefits of retaining a private investigator as a small business owner. However, there are a few additional reasons to make a private investigator a permanent part of your business operations:
- Reduced fees. The first benefit of permanently retaining a private investigator is lower service rates. If you contract with a private investigator and pay a large, and often refundable, retainer, she or he is likely to reduce the rates of services.
- Specified expertise. By permanently retaining an investigator, you will have investigators permanently on call to respond to issues. What is more, the investigative company will better understand your business and be able to respond quickly to fraud, when time is precious. Because the investigative agency will do a comprehensive security assessment of your business, your risk exposure will be mitigated. Should an unforeseen problem arise, however, you’ll have a trained expert ready to begin an investigation to quickly identify or prepare a case against shoplifters and individuals who fraudulently return merchandise.
- Lower insurance rates. If you retain a professional investigator with security expertise, you can make a case to your insurance company that you should receive a discounted rate. Just as an alarm system lowers your insurable risk, so does having a team ready to respond to crisis. You may be surprised to learn that many private investigations companies actually write comprehensive risk assessments and offer crisis management training and preparedness to many small- and medium-sized enterprises. Do you have a crisis management plan and are your employees trained to handle crisis? If the answer to either of these questions is “no,” then you should consult with a professional investigator soon.
Some notes on identity theft
- Using or opening a credit card account fraudulently
- Opening telecommunications or utility accounts fraudulently
- Passing bad checks or opening a new bank account
- Working in another person’s name
- Getting loans in another person’s name
- Dumpster diving – As the saying goes, one person’s junk is another’s treasure.
- Your mail box – An unlocked mail box receives delicious pieces of mail everyday, usually while people are not at home.
- Computer hard drives – Don’t sell or recycle your computer without taking out the hard drive!
- Stealing customer details from a business – A disgruntle employee, for example.
- Email phishing scams – Don’t click on links embedded in emails!
- TMI-O! – Too Much Information Online! Posting all your contact information online along with your resume, bio, and picture can give an identity thief enough nuggets to assume your identity.
- Pre-texting – Some identity thieves pretend to be telemarketers and get unsuspecting victims to give them many details. If a legitimate representative of a company wants you to upgrade, they’d never say, “to verify your account, could you please provide your number and password?” Hang up!
- Outright theft – Yes, there are still those old-schoolers out there who’ll just steal your wallet or purse.
- Threats that you may not even know about -- Like this one:
Please do not become overly paranoid. People still have to take risks in order to function in our society. Being a member of an online social network can help you stay in touch with friends. Posting your resume online could be vital to getting yourself a job. Offering your biography online could solicit new clients. But be diligent whenever you put information online. Do an on-line security assessment from time to time.
How can you protect yourself? There is no shortage of information on the internet offering advice for protecting yourself (e.g., frequently change your online passwords). Here are a few good ones: FTC ID Theft Help, Privacy Rights Clearinghouse, and Identity Theft Resource Center.
Protect yourself when selling online (and a few other ramblings).
- Never post personal details, home phone number, or addresses online, especially when engaging in a high-value transaction. With phone number reversal sites and the online white pages, it’s easy to figure out where you live, especially if you still use a landline. Cell phones are more difficult to trace, but it’s possible. Create a free email address or use the Craigslist anonymous email posting option. When doing an online transaction, ask people to supply their full name and number in the initial email response. Then you can check them out before you make more personal contact.
- Meet in public spaces, with lots of people and surveillance cameras, and during the day. This does not require further explanation, does it?
- Arrive first and leave last. This will reduce the possibility that you’ll be staked out by potential thieves.
- Meet people with your (big) friends present. Again, no further explanation needed.
- The incomprehensive list above applies to all types of off-line interactions that originate online or via advertisement. If you’re on a social networking site, never post that you’ll be leaving town and wait to return before sharing the photos and updates from your trip. Many people whose homes are burgled oftentimes have a direct or indirect connection with the thieves.
- Attend the sale with you. Some private investigators are certified in doing security and are licensed to carry a fire arm.
- Complete a background check on a potential buyer.
Civil rights violated?: Another reason you need a private investigator
by Craig Engstrom, Ph.D.*
Radley Balko, a senior editor for Reason, recently published an intriguing article. As he notes in the introduction to the article:
George Orwell famously said, ‘If you want a vision of the future, imagine a boot stamping on a human face—forever.’ He may still be right. But in today’s age of smart phones, Flip cams, and iPod cameras, there's a pretty good chance someone's going to capture that boot and the face it's smashing and post both to YouTube for all the world to see. Two recent incidents in Maryland illustrate the power of this new and increasingly democratized technology—and highlight just how important it is that the law protect the people who use technology to hold government agents accountable. (Balko, 2010, ¶ 1)
The first incident Balko describes, which will frame the advice given in this post, occurred recently at the
After the iPhone video of McKenna's beating emerged, investigators subpoenaed 60 hours of surveillance video from the
While this incident (and the other incidents described in Balko’s article) highlights the usefulness of new technologies to speak truth to power, it raises two important questions: 1) What if bystanders had not been recording the incident and 2) what can one do immediately following these types of incidents? A possible recourse for victims, who feel that their civil rights have been violated in any type of situation, is to immediately retain a private investigator.
The immediate benefit of retaining a private investigator, even before an attorney in many circumstances, is that she or he can immediately begin an investigation. This will mitigate the potential that precious time will be lost. In these types of situations, it is critical to begin an investigation immediately, before evidence is lost (or destroyed) and witnesses forget details or are coached to question their initial impressions. In many states, any information that is obtained by a private investigator can later be submitted to the attorney as “notes to file,” meaning that it becomes part of the attorney’s work product and is, therefore, not discoverable. This will allow you to search for an attorney (the professional investigator will likely have several to recommend) or to file your claim with civil rights agencies without worrying about whether you’ll have a case. The private investigator will already be collecting data that will hopefully demonstrate that there is grounding for your claims. By having hired a licensed private investigator, evidence will be collected and processed in a legal manner, consistent with court admissibility. You will also have a central person to whom you can direct all people who approach you about the incident.
The investigator may also uncover witness video recordings that, for whatever reason, did not make their way to YouTube or other social media websites. This is, of course, the best evidence to have. But even if no video is obtainable, the investigator will be able to follow leads and conduct interviews with witnesses in order to collect accounts of the events. He or she may even be able to uncover details that may be purposefully or accidentally omitted in police reports. Whatever he or she can collect becomes important data that can be used to help in your defense (should you be charged with a crime) or civil proceedings (should you choose to file a suit). If, for whatever reason, there are no witnesses present during an incident where you feel a government has violated your rights, you may still benefit from an investigator. You can file your complaint to the appropriate authorities, and the private investigator can conduct an investigation into other complaints filed against the particular agent(s). By interviewing other complainants, employees, and other individuals who are knowledge about the agents or departments, an investigator may discover a pattern that could prove some negligence.
Private investigators are important ballasts to their public counterparts. While hiring a private investigator is often a great investment, it is important to remember that you or your family should vet private detectives before hiring them. You should ask the private investigator several questions, including whether she or he can conduct an objective investigation into potential police misconduct. While some private investigators are former police officers, many of them are not. Nevertheless, you should not exclude a private investigator solely on the basis of his or her prior or current connection with a particular police department. Hiring a private investigator with prior police experience can be an asset for many reasons. In other words, the particulars regarding where an investigator received his or her training and experience is not as important as what type of knowledge and experience she or he has. What matters more than anything, and something that you will be able to tell during your initial conversations, is whether the private investigator seems interested in your case and has the expertise to conduct a competent investigation. Not every investigative agency is interested in or equipped to handle these types of investigations. You should ask the investigator to explain to you what she or he will do to assist you. If something doesn’t sound right to you, it may not be. Before hiring any investigator, you should also check his or her reviews on websites such as Ripoffreport.com, Yellowbot.com, or the local Better Business Bureau.
It’s unfortunate that many citizens have to rely on technology and private investigators to protect themselves from government and corporate misconduct. However, by relying on both technology and quality private investigators, you can better protect yourself against injustices perpetrated by others against you.
* Dr. Craig Engstrom is owner and operator of Critical Hours, a company that provides consulting, research, and documentation services to small business owners. His scholarly research focuses on the business of private, professional investigations.
References
Balko, R. (2010, April 26). Watching the detectives: A nebulous "right" to videotape on-duty cops isn't enough. The right needs to be enforced. Reason Magazine. Retrieved April 27, 2010 from