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 Posted: Thu Aug 02, 2007 3:40 pm Subject: Irony of the week! ID THEFT! |
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| Quote: | July 25, 2007
Irony of the Week: Lifelock CEO’s Identity Stolen
Todd Davis, who is so confident in the strength of his LifeLock identity theft protection service that he posts his social security number on the company’s website, has had his identity stolen by a fast cash loan crook. Davis, who founded and is the CEO of LifeLock, has offered extravagant guarantees to LifeLock customers that their identities cannot / will not be plundered if the subscribe to the service. Yet, a man in Fort Worth, Texas, was able to use Davis’ information (including the freely given social security number) to access a faxless payday loan in his name. Davis only became aware of the issue when a collections agency called him to let him know that “his” cash advance obligation was overdue. Payday loans are, of course, the much-ballyhooed short-term, high-interest personal loans with no end of controversy attached to their use. A private investigator hired by Davis tracked down Daniel Keith Brown, who admitted to having stolen Davis’ identity to access the fast cash loan on the web.
Brown said that he was “desperate” for money when he decided to steal Davis’ information to take out a faxless payday loan. Fort Worth police have not yet arrested Brown for identity theft in taking out the fast cash loan, but Davis’ private investigator claims to have Brown on tape admitting his guilt in taking out the cash advance personal loan, and an affidavit signed by the suspect that states the same.
Davis boasts that LifeLock’s protections actually did exactly what they should have, for him. Because the service places a fraud alert on the subscriber’s credit file, all discrepancies – like Davis’ fraudulent payday loan – are quickly picked up on and reported. Davis has said that he will keep his information publicly available on the LifeLock website, as his confidence in the service has not wavered. |
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goudah2424
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| Posted: Thu Aug 02, 2007 4:01 pm Subject: |
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How ironic is that!! And just goes to show the evils of PayDay loans, and how desperate people can get. Also how easy it is to get one. This should be a good example to others about NEVER giving your info to anyone!! Thanks Goudah!..KAren
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Bossy4455
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| Posted: Thu Aug 02, 2007 4:32 pm Subject: |
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WHEW~! Goudah, you scared me! I thought YOU had your ID stolen! I'm sorry to hear this happened this guy, but I'm glad it wasn't YOU! 
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SUEBEEHONEY70
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| Posted: Thu Aug 02, 2007 8:08 pm Subject: |
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Me too--and what do you bet that the PDL was Cash Today!!!!!!! Sounds just like them!!!!!!!! I wonder if they said he owed $2000 on $200 loan......
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kscornell
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| Posted: Thu Aug 02, 2007 8:13 pm Subject: |
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So glad to hear this wasn't your identity stolen, goudah!!!
What a moron to post a social on a public website, I don't care how much you believe in your merchandise! That is idiotic!
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bflow30
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| Posted: Fri Aug 03, 2007 7:11 am Subject: |
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He advertises it on the radio too. I always hear the commecials. It starts out with "My social security number is XXX . . . " So this guys social is all over the place. I'm kinda surprised this hasn't happened more!
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goudah2424
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| Posted: Mon Aug 06, 2007 12:36 am Subject: |
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it's REALLY REALLY REALLY REALLY weird. I'm at a loss for words guyz  How can a person broadcast his SSN?? Its supposed to be very very personal rite???
And thanks heavens it wasn't you goudah....
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goodnelly
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| Posted: Mon Sep 10, 2007 2:47 pm Subject: |
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It is possible it was a publicity stunt. And if it was not orchestrated on purpose, it was done for the off chance someone would take it. He wanted someone to take it and use it. I mean that last bit of the article "LifeLock’s protections actually did exactly what they should have."
Plus people hearing his number over the radio as an advertisement for a number tracking service, you'd have to be dumb to use it, knowing they'll find you and put you in handcuffs. Definitely a publicity stunt.
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pokogeo
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| Posted: Thu Dec 20, 2007 9:15 pm Subject: |
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I saw this guy on Montel William's show today..he said things like..you are 25 times more likely to have your identity stolen these days than your car...gave his social security #..and Montel gave free years membership to everyone in audience..it seemed like a good deal to me until I saw this post from Goudah that he got his own identity stolen..he did state however that once his company puts the fraud alerts in place and monitor your reports for you..that if you aren't personally contacted every time someone tries to use credit in your name..that they can erase the debt and remove it from your credit report and handle any problems you might have with his million dollar guarantee..sounded too good to be true! and perhaps it is....
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socksfullofrocks
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| Posted: Thu Dec 20, 2007 9:39 pm Subject: |
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It will be enlightening to see what becomes of the thief. If it's a publicity stunt, you can bet he won't get more than a slap on the hand.
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unclewulf
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| Posted: Thu Dec 20, 2007 10:17 pm Subject: |
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really strange thing.. not about this Todd Davis guy..but the Montel show was about unbelievable identity theft cases..this mother of four had dept of social services contact her and said they were taking her children away becuz she just had a baby who tested pos for drugs..trouble was she didn't have a baby.. someone had stolen her purse 3 months earlier and used her i.d... is still trying to straighten out the collection medical bills on baby she didn't have..got threatened to have her kids taken away..but said the perp is in rehab and baby has been returned to her!!!! the perp is home free and getting assistance but the victim is still left holding the baggage!
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socksfullofrocks
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| Posted: Thu Dec 20, 2007 11:12 pm Subject: |
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It sounds to me like he was just trying to promote the LifeLock identity theft protection service.
| Quote: | The Fair Credit Reporting Act(FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft.
You have the right to ask that nationwide consumer reporting agencies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289
An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. Always file a report with your local, federal or state law enforcement agency (police department). This will serve as back up documentation.
You have the rights to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address.
Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosure under other provisions of the FCRA.
You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents.
You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debts you believe were incurred in your name by an identity thief – such as the name of the creditor and the amount of the debt.
If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file.
An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and the police report if you did file one.
The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation, or where the block results from an error or material misrepresentation of fact made by you. If the agency declines a block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.
You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide a police report.
The FTC outlines all the different areas that a comsumer needs to know about identity theft. |
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mca
my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com
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mca
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| Posted: Fri Dec 21, 2007 12:16 am Subject: |
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I see that now..promotion..but why this victim that they were going to take children away from...then gave drug child back to real Perp..but victim still trying to clear it up about perps bills..and this Lifelock says will step in and resolve..is this victim further being victimized? from this Lifelock co? you guys here are pros and your opinions mean a bunch to me!
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socksfullofrocks
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| Posted: Fri Dec 21, 2007 7:02 am Subject: |
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My personal opinion of anything that goes on TV is subject to a reality check...even reality shows are sometimes scripted. As far as Todd Davis and his Lifelock it probably was a promo...if not he deserves what he got!
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laura19544
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| Posted: Sat Dec 22, 2007 1:04 am Subject: |
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thanks Laura.. come to think of it.. at the first of the show Montel was even promoting his new book..I am almost thinking of signing up for this Lifelock promotion though..sort of as a research experiment..it's like $19 a month supposedly..I am curious to see what's really going on..if I decide to do this I will keep all updated on outcome
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socksfullofrocks
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cajunbulldog
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