Identification & Detection of Red Flags

Source: https://finance.uw.edu/sfs/redflag/identify Parent: https://finance.uw.edu/sfs/uw-depts/red-flag-guidelines

The University of Washington recognizes that the following types of notices, documents, personal information, and activities may be indicators or red flags that an individual’s identity may be compromised:

1. Alerts, Notifications or Warnings from a Consumer Reporting Agency

2. A fraud or credit alert is included with a consumer report.

3. A notice of credit freeze on a consumer report is provided from a consumer reporting agency.
4. A consumer reporting agency provides a notice of address discrepancy.
5. A consumer report indicates a pattern of activity inconsistent with the history and usual pattern of activity of a customer.

6. Suspicious Documents

7. Documents provided for identification appear to have been altered or forged.

8. The photograph or physical description on the identification is not consistent with the appearance of the customer presenting the identification.
9. Other information on the identification is not consistent with information provided by the person opening an account or presenting the identification.
10. Other information on the identification is not consistent with readily accessible information that is on file with the University.
11. An application appears to have been altered or forged, or gives the appearance of having been destroyed and reassembled.

12. Suspicious Personal Identifying Information

13. Personal identifying information provided is inconsistent when compared against external information sources used by the University.

14. Personal identifying information provided by the customer is not consistent with other personal identifying information provided by the customer.
15. Personal identifying information provided is associated with known fraudulent activity as indicated by internal or third-party sources used by the University.
16. The social security number provided is the same as that submitted by other persons opening an account or other customers.
17. The address or telephone number provided is the same as or similar to the account number or telephone number submitted by an unusually large number of other persons opening accounts or other customers.
18. The person opening the account fails to provide all required personal identifying information on an application or in response to notification that the application is incomplete.
19. Personal identifying information provided is not consistent with personal identifying information that is on file with the University.
20. If the University uses a challenge question, the customer cannot provide authenticating information beyond that which generally would be available from a wallet or consumer report.

21. Unusual Use of, or Suspicious Activity Related to, the Covered Account

22. Shortly following the notice of a change of address, the University receives a request for a new or replacement card or cell phone, or the addition of authorized users on the account.

23. A new revolving credit account is used in a manner commonly associated with known fraud patterns.
24. An account is used in a manner that is not consistent with established patterns of activity on the account.
25. An account that has been inactive for a reasonably lengthy period of time is used.
26. Mail sent to the customer is returned repeatedly as undeliverable although transactions continue to be conducted in connection with the account.
27. The University is notified of unauthorized charges or transactions in connection with a customer’s account.
28. The University is notified by a customer, a victim of identity theft, a law enforcement authority, or any other person that a fraudulent account has been opened.

29. The University recognizes that additional red flags may be identified by UW entities, units or departments for specific types of covered accounts.