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ID Theft - CRA reports


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This seemed like the best forum for this question, mods please move it if it should be somewhere else.

 

Fraudsters obtained access to a friend of mine's online bank accounts and stole a lot of money.

 

They did it by first stealing her mobile phone number.

They submitted a fake PAC request to my friend's mobile phone provider and managed to convince them they were her.

 

They then moved my friends mobile number to a different mobile provider, then managed to gain access to the online bank accounts and reset passwords.

 

The bank sent verification codes to my friend's mobile number to check the requests were genuine but of course the mobile number was by that time under the control of the fraudsters.

 

What I've learnt from all that is that PAC theft is a real weak link in online banking security unless mobile phone companies are as rigorour in ID verification for PAC requests as banks are. I don't think phone companies are.

 

that's just background.

After much time in meetings at the bank etc the bank has refunded all the money stolen without any quibbling and the phone company has apologised and offered (a small amount of) compensation and has closed down the stolen number.

 

My friend now has a brand new number and as added security has had her account with mobile phone co restricted to say that no PAC code can be issued unless she goes in person to one of their stores with appropriate ID.

 

I've advised her that she ought to check with the three Credit Reference Agencies to make sure the fraudsters didn't try to set up any fake accounts in her name during the time they were in control of her phone number.

 

To find out what credit searches have been done on her will it be sufficient to just to get the statutory report from the three CRAs? eg this one from Experian

 

https://www.experian.co.uk/consumer/statutory-report.html

 

She doesn't particularly want to pay for wider access to her CRA information - she isn't interested in knowing her credit score for example - if the statutory report will tell her what she needs. (They used to cost £2 didn't they? I see Experian's is free now under GDPR)

 

She's also changed her passwords on her email and every online site she uses. Anything else she should be doing?

 

I've told her the fraudsters probably harvested a lot of the information they used from what she's posted on social media so to be very careful about that.

Edited by dx100uk
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All cra are free now

Have you informed actionfraud

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thread moved to Credit Reference Agencies Forum.

 

Its a little quiet in that forum.

 

Andy

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Hi Ethel...

 

Maybe this can help :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69469

 

I have also first hand been affected by ID Theft.

 

What your friend experienced is something that is becoming a rapid trend in Fraud. They pretend to be the individual concerned and activate a SIM Card with the existing number.

First thing you hear of it is when your phone just goes dead and wont register with the SIM inside. Or in this case - They have ported it to a different network provider.

 

Good idea from your friend about setting up extra precautions. I would if I was them. Maybe also add a password - Most companies have that option for security.

Also think about a Notice Of Correction in future asking for a password to be used for new applications. Add it to all 3 agencies, but it will to a degree protect any fraudulent applications occurring as a human will then have to verify the application.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I would also register with cifas. That way anyone trying to get goods or finance will have extra checks to go through.

 

 

https://www.cifas.org.uk/

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