My Brush With Identity Theft

I’ve never had my idenity stolen. I’ve read many of the horror stories that come along with it, but have never had to go through that.
But, that doesn’t mean that I didn’t come close. Or at least feel like I came a little close. Because there was one time where someone came pretty close, or at least a little too close for comfort.
A few years ago, I went through my mail, and there was what appeared to be a bill from UPS. I don’t make any shipments, and when I do, I typically pay for them at the counter. The bill was for a few dollars.
So, I thought nothing of it and threw it away.
A few weeks later, I got a second bill, again, not for very much money, but for a larger amount, but still under $50. Again, I discarded it thinking it weird that I was getting bills for something I didn’t use.
They got my attention a few weeks later when they sent another letter indicating that if I didn’t pay my balance, I would be turned over to collections. So, I immediately got on the phone.
My conversation went a little like this:
Me: “I’m calling about a bill that I got for a bunch of packages.”
UPS: “Yes, we need you to pay that.”
Me: “I’m confused, I didn’t send any packages using UPS.”
UPS: “But it has your name and address here.”
Me: “While that’s true, I didn’t ship any packages. In fact, the ’ship from’ location for all of these is in California.”
UPS: “Yeah, and?”
Me: “I live in Michigan. How would I have shipped these packages from California?”
UPS: *long silence*
Me: “How would someone have opened an account with my name and address?”
UPS: “Well, that’s all you need to open an account.”
Me: “You don’t need a credit card? A social security number? A drivers license?”
UPS: “No.”
Me: “So, anybody could just find someone elses name and address and open an account and start shipping packages, and UPS is OK with that?”
UPS: “Yeah, seems a little strange, doesn’t it?”
Me: “So, you’re going to take those charges off my account, the one that I never opened, and close the account, too, while you’re at it?”
UPS: “You’re sure you never opened that account or shipped those packages?”
Me: “Positive.”
UPS: “OK, then, we’ll take care of that.”
Pretty amazing stuff, isn’t it? Now, this was a few years ago so I’m really hoping that UPS does not simply allow accounts to be created in such fashion. It seemed that before, you could just create an account and start shipping with it. Granted, the number of shipments was small, so I’m guessing (hoping) that for bulk shippers, they would have required a line of credit.
But, really, who knows?
At the time, I didn’t really think much about it, but it was about as close I could have gotten to having my identity stolen without it actually happening.
It taught me a few lessons though:

  • Pay attention to your bills – I simply threw the bills out because I knew that they weren’t mine, but if I hadn’t, who knows if UPS would have somehow been able to find me and put a blemish on my credit report. It doesn’t seem likely since they didn’t have my SSN, but then again, I would have thought it pretty unlikely that they would open an account without somehow verifying the person opening the account.
  • Be careful of your personal information – Keep your personal information, especially things like account numbers, drivers license numbers, and other key information, safe.
  • Check your credit report – I check my credit report (and my wife’s) every four months, using our three free reports from AnnualCreditReport.com. After this, I have always kept an eye on it to make sure that every single creditor is someone I know. So far, I’ve had no surprises.
  • Check your balances often – Did you know that the longer you wait before notifying a bank or credit card company of fraudulent activity, the more you’re responsible for? I try to check my balances every day or two days on my bank accounts and credit cards.

Any other tips on preventing or dealing with identity theft? Any close calls?