I hope your summer 2011 is off to a good start.

We’ve received many, many complaints from identity theft victims that they have had problems with local police agencies taking their identity theft police reports. Some police agencies have refused to take a police report from identity theft victims. As you probably know from other blog entries, many of your civil law remedies rely on you initially obtaining a copy of an identity theft police report and providing it to the credit bureaus and to the creditors who are pursuing you for identity theft debts.

At a recent dinner I attended, I sat at the same table as two deputies from the California Department of Motor Vehicles. I discussed this problem with them, and each indicated to me that the DMV is more than happy to take an identity theft report and provide a copy to the consumer for his or her later use. In fact, DMV has jurisdiction over many identity theft cases because DMV regulates driver’s licenses, which are still the favored form of identification for many financial transactions.

So, if you find yourself the victim of identity theft and you need to file a police report, go to the DMV. A DMV identity theft report has all the force of a report issued by a police department or a sheriff, and DMV can cross-connect your report to your driver’s license.

Here’s the contact information you need:

Phone: 1-866-658-5758
Email: DLFraud@DMVCA.gov

Hope this helps!

Experian has compiled a list of traits common to many identity theft victims. Definitely worth reading! There’s a lot of information which is of course irrelevant–the fact that many ID theft victims enjoy tennis is not relevant to identity theft unless it’s an identity theft that occurs at a tennis club, for instance–but really what Experian is releasing is a description of the “ideal target” for an identity thief. It’s a good read and check it out. Here’s the article:

Most Common Traits of ID Theft Victims
by Jeremy M. Simon
Friday, January 29, 2010

Wealthy consumers who enjoy leisure activities such as tennis, skiing and international vacations are top targets for identity thieves, according to a new report.

A report released Wednesday by credit bureau Experian shows that fraudsters are on the hunt for the most affluent suburban consumers. Compared to the general population of credit applicants, Experian says these consumers live in and around metropolitan areas, favor leisure activities, have college diplomas or advanced degrees and more often tend to be married.

Affluent are more often victims of ID theft, report shows”The crooks are going where the money is,” says Gail Hillebrand, senior attorney with Consumers Union, the nonprofit publisher of Consumer Reports magazine.

Most Common Traits, Activities

Experian identifies the common activities of those most often victimized by ID theft:

• Tennis
• Politics
• Foreign travel
• Charities/volunteering
• Cultural/arts
• Skiing

Where — and how — these consumers live also seems to make them more of a target. “The opportunities to steal discarded documents would be greater in suburban areas,” says Linda Sherry, director of national priorities with advocacy group Consumer Action. “More affluent households may have domestic help and service people who may have the opportunity to steal personal info from the home that can be used to acquire credit.”

How did Experian identify this group of wealthy victims? The bureau’s Fraud and Identity Solutions group — in conjunction with Experian Marketing Services — compared credit application data with thousands of individual fraud records between January 2007 and November 2008. It found that three of its 12 demographic groups were the most highly sought-after by identity thieves: “affluent suburbia,” “upscale American” and the more middle-class “American diversity” category of consumers.

Experian found that compared with the general population of credit applicants, the consumers most often victimized by fraudsters tend to own more new and luxury vehicles and live in higher-income neighborhoods that contain many more homeowners than renters. Additionally, these borrowers tend to be based in densely populated metropolitan areas and often reside in multifamily homes or condos.

Thieves aren’t the only group focusing on wealthy borrowers. “Lenders are obviously targeting some of these demographics as well,” with better and more frequent offers of financial goods and services, says Keir Breitenfeld, director of product management for Experian’s Fraud and Identity Solutions group. As a result, thieves who target these consumers and steal their information have an easier time getting credit and services in their victims’ names. “If you’re a fraudster, you want to assume the identity of someone who can go out and get high-value services,” Breitenfeld says.

How to Protect Yourself

Consumer advocates, meanwhile, say that if the affluent can be victimized by ID thieves, anyone can. “You can’t protect yourself. Even the most affluent suburban households, it’s still happening to them,” Hillebrand says. She says that banks and other institutions have an obligation to better guard consumer data. “We don’t have much control over that as individual consumers. People who receive our data decide how carefully to protect our information,” Hillebrand says.

However, Experian says lenders need to strike a balance between guarding consumers and not making them struggle unnecessarily to get approved for credit. If consumers must jump through too many hoops in order to get a loan, Experian says, the bank may end up losing their business. Still, Experian says its report suggests that financial institutions may want to do more to protect certain high-risk borrowers.

But it’s not only lenders who need to take steps to guard against identity theft. “If you fall into that category, you may want to consider those services” aimed at preventing ID theft, says Maxine Sweet, Experian’s vice president of public education.

Those services include:

• Credit Freezes. Both Experian and Consumers Union say freezes offer benefits, but they can also mean added work for the consumer, such as getting a cell phone or utility service. “You have to be willing to be actively engaged in managing your credit report if you freeze,” Sweet says.

• Credit Monitoring. Credit monitoring, meanwhile, offers alerts about credit report activity — typically for a price. Monitoring offers “piece of mind that every month there has been no activity and if there is activity you get a warning,” Sweet says.

Consumers may also decide to fight for more ID theft protection from the government, including more oversight of players in financial system and restrictions on how borrowers’ personal data can be collected and how long it can be kept, Hillebrand says.

She points to one of the interests highlighted by Experian’s report. “If the people who are getting ripped off are interested in politics, they should get politically active,” she says.