Free Request for Judicial Notice - District Court of California - California

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1 Pierce Gore (State Bar No. 128515) GORE LAW FIRM 2 900 East Hamilton Avenue Suite 100 3 Campbell, CA 95008 Telephone: (408) 879-7444 4 Facsimile: (408) 376-0757 Email: [email protected] 5 (Additional counsel listed on signature page) 6 Attorneys for Plaintiff 7 8 9 10 IN THE UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA SAN JOSE DIVISION

11 VICTOR GAMALY, individually and on Case No. C07-04758 JF behalf of himself and all others similarly situated, 12 PLAINTIFF'S REQUEST FOR Plaintiff, JUDICIAL NOTICE IN SUPPORT OF 13 OPPOSITION TO TUMI INC.'S v. MOTION TO DISMISS 14 TUMI INC.; Does 1 through 10, 15 Defendants. 16 Pursuant to Federal Rule of Evidence 201, Plaintiff Victor Gamaly requests that the 17 18 Court take judicial notice of the attached excerpts from the website of the Federal Trade 19 Commission. The Court may take judicial notice of facts that are "not subject to reasonable 20 dispute" and are "capable of accurate and ready determination by resort to sources whose accuracy 21 22 23 24 25 26 Accordingly, Plaintiff respectfully requests that the Court take judicial notice of Request Nos. 1 and 2 below, and Exhibits A and B hereto. 1. Federal Trade Commission, "About Identity Theft," available at cannot reasonably be questioned." Fed. R. Evid. 201(b). Public records are the proper subject of a request for judicial notice. Chaker v. Crogan, 428 F. 3d 1215, 1223, n.8 (9th Cir. 2005).

27 http://ftc.gov/bcp/edu/microsites/idtheft/consumers/about-identity-theft.html, last accessed 28 November 23, 2007; attached hereto as Exhibit A.
PLAINTIFF'S REQUEST FOR JUDICIAL NOTICE

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1

2. Federal Trade Commission, "Consumer Fraud and Identity Theft Complaint

2 Data, January ­ December 2006," p. 2, available at 3 4 attached hereto as Exhibit B. 5 6 Dated: December 12, 2007 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28
PLAINTIFF'S REQUEST FOR JUDICIAL NOTICE

http://www.consumer.gov/sentinel/pubs/Top10Fraud2006.pdf, last accessed November 23, 2007;

Respectfully submitted, Pierce Gore (State Bar No. 128515) GORE LAW FIRM 900 East Hamilton Avenue Suite 100 Campbell, CA 95008

By: /s/ Pierce Gore Pierce Gore J. Brandon McWherter Charles L. Holliday Clinton H. Scott SPRAGINS BARNETT & COBB, PLC 312 E. Lafayette Street P.O. Box 2004 Jackson, TN 38302 (731) 424-0461 (731) 424-0562 (fax) Justin S. Gilbert GILBERT & RUSSELL, PLC 2021 Greystone Dr. Jackson, TN 38305 (731) 664-1340 (731) 664-1540 (fax) Don Barrett David McMullan DON BARRETT, P.A. 404 Court Square North P.O. Box 987 Lexington, MS 39095 (662) 834-2376 (662) 834-2628 (fax)

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CASE NO. C07-04758 JF

Case 5:07-cv-04758-JF

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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28
PLAINTIFF'S REQUEST FOR JUDICIAL NOTICE

Charles Barrett BARRETT & ASSOCIATES, P.A. 6518 Highway 100 Suite 210 Nashville, TN 37205 (615) 515-3393 (615) 515-3395 (fax) Attorneys for Plaintiff

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CASE NO. C07-04758 JF

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About Identity Theft
What is identity theft? How do thieves steal an identity? What do thieves do with a stolen identity? How can you find out if your identity was stolen? How long can the effects of identity theft last? What should you do if your identity is stolen? Should you file a police report if your identity is stolen? How long can the effects of identity theft last? What can you do to help fight identity theft? What is identity theft? Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft. The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn't make--or until you're contacted by a debt collector. Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit. back to top How do thieves steal an identity? Identity theft starts with the misuse of your personally identifying information such as your name and Social Security number, credit card numbers, or other financial account information. For identity thieves, this information is as good as gold. Skilled identity thieves may use a variety of methods to get hold of your information, including: 1. Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it.

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2. Skimming. They steal credit/debit card numbers by using a special storage device when processing your card. 3. Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information. 4. Changing Your Address. They divert your billing statements to another location by completing a change of address form. 5. Old-Fashioned Stealing. They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records, or bribe employees who have access. 6. Pretexting. They use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources. For more information about pretexting, click here. back to top What do thieves do with a stolen identity? Once they have your personal information, identity thieves use it in a variety of ways. Credit card fraud:


They may open new credit card accounts in your name. When they use the cards and don't pay the bills, the delinquent accounts appear on your credit report. They may change the billing address on your credit card so that you no longer receive bills, and then run up charges on your account. Because your bills are now sent to a different address, it may be some time before you realize there's a problem.

Phone or utilities fraud:


They may open a new phone or wireless account in your name, or run up charges on your existing account. They may use your name to get utility services like electricity, heating, or cable TV.

Bank/finance fraud:


They may create counterfeit checks using your name or account number. They may open a bank account in your name and write bad checks. They may clone your ATM or debit card and make electronic withdrawals your name, draining your accounts. They may take out a loan in your name.

Government documents fraud:

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They may get a driver's license or official ID card issued in your name but with their picture. They may use your name and Social Security number to get government benefits. They may file a fraudulent tax return using your information.

Other fraud:


They may get a job using your Social Security number. They may rent a house or get medical services using your name. They may give your personal information to police during an arrest. If they don't show up for their court date, a warrant for arrest is issued in your name.

back to top How can you find out if your identity was stolen? The best way to find out is to monitor your accounts and bank statements each month, and check your credit report on a regular basis. If you check your credit report regularly, you may be able to limit the damage caused by identity theft. For more information, visit the Detect Identity Theft section. Unfortunately, many consumers learn that their identity has been stolen after some damage has been done.


You may find out when bill collection agencies contact you for overdue debts you never incurred. You may find out when you apply for a mortgage or car loan and learn that problems with your credit history are holding up the loan. You may find out when you get something in the mail about an apartment you never rented, a house you never bought, or a job you never held.

back to top What should you do if your identity is stolen? Filing a police report, checking your credit reports, notifying creditors, and disputing any unauthorized transactions are some of the steps you must take immediately to restore your good name. To learn more about these steps and more, visit the DEFEND: Recover from Identity Theft section. To file a complaint, click here. back to top Should you file a police report if your identity is stolen? A police report that provides specific details of the identity theft is considered an Identity Theft Report, which entitles you to certain legal rights when it is provided to the three

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major credit reporting agencies or to companies where the thief misused your information. An Identity Theft Report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses, from appearing on your credit report. It will also make sure these debts do not reappear on your credit reports. Identity Theft Reports can prevent a company from continuing to collect debts that result from identity theft, or selling them to others for collection. An Identity Theft Report is also needed to place an extended fraud alert on your credit report. You may not need an Identity Theft Report if the thief made charges on an existing account and you have been able to work with the company to resolve the dispute. Where an identity thief has opened new accounts in your name, or where fraudulent charges have been reported to the consumer reporting agencies, you should obtain an Identity Theft Report so that you can take advantage of the protections you are entitled to. In order for a police report to entitle you to the legal rights mentioned above, it must contain specific details about the identity theft. You should file an ID Theft Complaint with the FTC and bring your printed ID Theft Complaint with you to the police station when you file your police report. The printed ID Theft Complaint can be used to support your local police report to ensure that it includes the detail required. A police report is also needed to get copies of the thief's application, as well as transaction information from companies that dealt with the thief. To get this information, you must submit a request in writing, accompanied by the police report, to the address specified by the company for this purpose. You can find more information and a model letter here. How long can the effects of identity theft last? It's difficult to predict how long the effects of identity theft may linger. That's because it depends on many factors including the type of theft, whether the thief sold or passed your information on to other thieves, whether the thief is caught, and problems related to correcting your credit report. Victims of identity theft should monitor financial records for several months after they discover the crime. Victims should review their credit reports once every three months in the first year of the theft, and once a year thereafter. Stay alert for other signs of identity theft. Don't delay in correcting your records and contacting all companies that opened fraudulent accounts. Make the initial contact by phone, even though you will normally need to follow up in writing. The longer the inaccurate information goes uncorrected, the longer it will take to resolve the problem. back to top What can you do to help fight identity theft?

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A great deal. Awareness is an effective weapon against many forms identity theft. Be aware of how information is stolen and what you can do to protect yours, monitor your personal information to uncover any problems quickly, and know what to do when you suspect your identity has been stolen. Armed with the knowledge of how to protect yourself and take action, you can make identity thieves' jobs much more difficult. You can also help fight identity theft by educating your friends, family, and members of your community. The FTC has prepared a collection of easy-to-use materials to enable anyone regardless of existing knowledge about identity theft to inform others about this serious crime. To learn more, click here. back to top Hot Links Use Our Materials In Your Community This page requires JavaScript and the Macromedia Flash Player. Watch the video The President's Identity Theft Task Force File a Complaint with the FTC Victims' Statement of Rights Test Your Knowledge about Identity Theft ­ Take the OnGuard Online Quiz Key Publications Take Charge: Fighting Back Against Identity Theft (PDF 4.9MB) Information Compromise and the Risk of Identity Theft: Guidance for Your Business (PDF 152KB) Protecting Personal Information: A Guide for Business (PDF 3.47MB) Home | File a Complaint | Order Publications | Privacy Policy | Consumers | Businesses Law Enforcement | Military | Media Resources | Reference Desk | En Español | ftc.gov

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TABLE OF CONTENTS
Report Subject Page No. Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Sentinel Complaints by Calendar Year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Sentinel Top Complaint Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 5

Sentinel Fraud Complaints
Total Number of Fraud Complaints & Amount Paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . Methods of Payment Reported by Consumers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Company's Method of Contacting Consumers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fraud Complaints by Consumer Age . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total Number of Internet-Related Fraud Complaints & Amount Paid . . . . . . . . . . . . . . Methods of Payment Reported by Consumers for Internet-Related Fraud . . . . . . . . . . . Internet-Related Fraud Complaints by Consumer Age . . . . . . . . . . . . . . . . . . . . . . . . . . 6 7 8 9 10 11 12

Sentinel Identity Theft Complaints
How Identity Theft Victims' Information Is Misused . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Law Enforcement Contact for Identity Theft Victims . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Identity Theft Complaints by Victim Age . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Largest Metropolitan Areas Ranking for Fraud Complaints . . . . . . . . . . . . . . . . . . . . . . . 16 Largest Metropolitan Areas Ranking for Identity Theft Complaints . . . . . . . . . . . . . . . . 17 Fraud Complaints and Identity Theft Victims by State . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Detailed State Complaint Figures
One page per State and the District of Columbia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Each detailed State report contains the following information: Top Fraud Complaint Categories for Consumers Amount Paid Reported by Consumers Identity Theft Types Reported by Victims Appendices Appendix A1: Description of the Sentinel Network . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Appendix A2: Sentinel Major Data Contributors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Appendix A3: Other Sentinel Data Contributors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Appendix B: Description of the Sentinel Complaint Categories . . . . . . . . . . . . . . . . . . . Appendix C1: Fraud Complaints for Largest Metropolitan Areas . . . . . . . . . . . . . . . . . . Appendix C2: Identity Theft Complaints for Largest Metropolitan Areas . . . . . . . . . . . . 71 72 73 74 75 83

Federal Trade Commission

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INTRODUCTION
Consumer Sentinel Leading Partners & Data Contributors

Between January and December 2006, Consumer Sentinel, the complaint database developed and maintained by the Federal Trade Commission (FTC), received over 670,000 consumer fraud and identity theft complaints. Consumers reported losses from fraud of more than $1.1 billion. The reports in this booklet analyze those complaints. Consumer Sentinel collects information about consumer fraud and identity theft from the FTC and over 115 other organizations and makes it available to law enforcement partners across the nation and throughout the world for use in their investigations. Launched in 1997, the Sentinel database now includes over 3.5 million complaints. Some future data transfers from other organizations will contain complaints from 2006 but have not yet been received. Accordingly, the total number of complaints reflected in this report may increase over the course of the next few months. The addition of complaints from other data contributors is also reflected in the larger totals from previous years than were reported in earlier FTC reports. For more information about Consumer Sentinel, as well as information about consumer fraud and identity theft, visit the Consumer Sentinel public website at www.consumer.gov/sentinel. If you represent a law enforcement organization, call (202) 326-3196 or e-mail [email protected] for membership information.

Australian Competition and Consumer Commission

Better Business Bureaus

Department of Defense

Federal Bureau of Investigation

Federal Trade Commission

Internet Crime Complaint Center

National Association of Attorneys General

National Consumers League

Canada's Phonebusters

Social Security Administration

U.S. Postal Inspection Service

U.S. Secret Service

The Consumer Sentinel Network (For detailed description and data contributors, see Appendices A1 through A3)

www.consumer.gov/sentinel

www.econsumer.gov

www.consumer.gov/ idtheft

www.consumer.gov/ military

Federal Trade Commission

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Executive Summary Consumer Fraud and Identity Theft Complaint Data January ­ December 2006
·Consumer Sentinel now contains over 3.5 million fraud and identity theft complaints

and is accessible to over 1,600 law enforcement agencies ­ including every state attorney general in the U.S. and consumer protection agencies in 19 nations.
·The FTC received over 670,000 Consumer Sentinel complaints during calendar year

2006 - 36% were identity theft complaints and 64% were related to other types of fraud. Fraud
·A total of 428,319 of the Consumer Sentinel complaints were fraud-related. Shop-at-

Home/Catalog Sales was the leading complaint category with 7% of the overall complaints, followed by Prizes/Sweepstakes and Lotteries (7%), Internet Services and Computer Complaints (6%), Internet Auctions (5%), Foreign Money Offers (3%), and Advance-Fee Loans and Credit Protection/Repair (2%).
·Consumers reported fraud losses of over $1.1 billion; the median monetary loss was

$500. Eighty-five percent of the consumers reporting fraud also reported an amount paid.
·The percentage of fraud complaints with wire transfer as the reported payment

method continues to increase. Twenty-three percent of the consumers reported wire transfer as the payment method, an increase of 8 percentage points from calendar year 2005.
·Some 60% of fraud complaints where the company's method of initial contact was

reported indicate Internet solicitations - electronic mail at 45% and web at 15%. Seventy-two percent of all fraud complaints reported the method of initial contact.
·The metropolitan areas with the highest per capita rates of reported consumer fraud complaints are Greeley, Colorado; Albany-Lebanon, Oregon; and Napa, California.

Identity Theft
·Credit card fraud (25%) was the most common form of reported identity theft

followed by phone or utilities fraud (16%), bank fraud (16%), and employment fraud (14%). Other significant categories of identity theft reported by victims were government documents/benefits fraud (10%) and loan fraud (5%).
·Electronic fund transfer-related identity theft continues to be the most frequently

reported type of identity theft bank fraud during calendar year 2006.
·The metropolitan areas with the highest per capita rates of reported identity theft are

Napa, California; Madera, California; and McAllen-Edinburg-Mission, Texas.
Federal Trade Commission Page 3 of 90 Released February 7, 2007

Sentinel Complaints by Calendar Year1
- Identity Theft Complaints - Fraud Complaints

700 600

657,591

693,519

674,354
255,613

(in thousands)

500 400 300 200 100 0

38%

246,882

37%

36%

246,035

62%

410,709

63%

437,906

64%

428,319

CY-2004

CY-2005

CY-2006

1Percentages are based on the total number of Sentinel complaints by calendar year. These figures exclude National Do Not Call Registry complaints.

Fraud Complaints by Calendar Year2 (Excluding Identity Theft)
410,709
400

437,906

428,319
Internet-Related Fraud Complaints

(in thousands)

45%
300

197,084

48%

51%

210,850

204,881

200

49%
100

199,859

55%

240,822

52%

Other Fraud Complaints

223,438

0

CY-2004
2Percentages

CY-2005

CY-2006

are based on the total number of Sentinel fraud complaints by calendar year.
Page 4 of 90 Released February 7, 2007

Federal Trade Commission

Sentinel Top Complaint Categories1 January 1 ­ December 31, 2006
Rank Top Categories 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 Identity Theft Shop-at-Home/Catalog Sales Prizes/Sweepstakes and Lotteries Internet Services and Computer Complaints Internet Auctions Foreign Money Offers Advance-Fee Loans and Credit Protection/Repair Magazines and Buyers Clubs Telephone Services Health Care Business Opps and Work-at-Home Plans Travel, Vacations and Timeshare Office Supplies and Services Grants: Scholarships/Educational & Non-Educational Employ Agencies/Job Counsel/Overseas Work Investments Other Coded Complaints Complaints 246,035 46,995 45,587 41,243 32,832 20,411 10,857 8,924 8,165 7,467 7,460 6,712 5,723 5,310 4,485 3,630 12,399 Percentage1 36% 7% 7% 6% 5% 3% 2% 1% 1% 1% 1% 1% 1% 1% 1% 1% 2%

Percentages are based on the total number of Sentinel complaints (674,354) received by the FTC between January 1 and December 31, 2006. Twenty-four percent (160,399) of the Sentinel complaints received by the FTC did not contain specific product service codes. For Sentinel category descriptions, see Appendix B.

1

Federal Trade Commission

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Total Number of Fraud Complaints & Amount Paid Calendar Years 2004 through 2006
Total No. of Complaints Complaints Reporting Amount Paid Percentage of Complaints Reporting Amount Paid Amount Paid Reported Average 1 Amount Paid Median 2 Amount Paid

CY

2004 2005 2006

410,709 437,906 428,319

310,299 285,255 364,500

76% 65% 85%

$568,702,566 $683,484,366 $1,187,305,506

$1,833 $2,396 $3,257

$262 $349 $500

1Average

is based on the total number of consumers who reported amount paid for each calendar year: CY-2004 = 310,299; CY-2005 = 285,255 ; and CY-2006 = 364,500. One hundred eighty-four consumers reported an amount paid of $1 million or more during CY-2006; 42 and 49 consumers for CY-2004 and CY-2005, respectively.

2Median is the middle number in a set of numbers so that half the numbers have values that are greater than the median and half have values that are less. Calculation of the median excludes complaints with amount paid reported as $0.

Distribution of Fraud Complaints by Reported Amount Paid Calendar Years 2004 through 2006
CY - 2004 Amount Paid $0 $1 - 25 $26 - 50 $51 - 75 $76 - 100 $101 - 250 $251 - 500 $501 - 1,000 $1,001 - 5,000 More than $5,000
3Percentages

CY - 2005
3 3

CY - 2006
3

Complaints Percentages 93,913 21,529 21,602 13,539 12,185 37,811 34,488 25,232 38,860 11,140 30% 7% 7% 4% 4% 12% 11% 8% 13% 4%

Complaints Percentages Complaints Percentages 91,028 17,053 17,635 9,816 9,453 30,383 27,443 23,420 45,109 13,915 32% 6% 6% 3% 3% 11% 10% 8% 16% 5% 154,157 15,133 15,845 9,128 9,222 28,633 28,382 29,591 58,253 16,156 42% 4% 4% 3% 3% 8% 8% 8% 16% 4%

are based on the total number of consumers who reported amount paid for each calendar year: CY-2004 = 310,299; CY-2005 = 285,255; and CY-2006 = 364,500.

Federal Trade Commission

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Methods of Payment Reported by Consumers1 January 1 - December 31, 2006
50%

40%

30%
30%

20%
20%

23% 13%

10%

9% 4%
Bank Cash/Cash Check Account Advance Debit Credit Cards

2%
Money Telephone Wire Order Bill Transfer

0%

Methods of Payment Reported by Consumers Calendar Years 2004 through 2006
CY - 2004
1

CY - 2005
1

CY - 2006
1

Payment Method Complaints Percentages Amount Paid Complaints Percentages Amount Paid Complaints Percentages Amount Paid Bank Account Debit Cash/Cash Advance Check Credit Cards Money Order Telephone Bill Wire Transfer Total Reporting Payment Method 18,293 2,703 12,242 20,617 10,812 1,707 7,890 74,264 25% 4% 16% 28% 15% 2% 11% $29,018,295 $12,875,063 $67,784,762 $25,143,016 $17,456,243 $436,364 $88,602,827 14,800 2,383 10,432 19,366 7,193 1,175 9,486 64,835 23% 4% 16% 30% 11% 2% 15% $26,448,149 $17,210,216 $75,249,254 $37,174,388 $12,537,883 $491,499 $86,588,141 13,158 2,443 8,627 20,477 5,912 1,267 15,464 67,348 20% 4% 13% 30% 9% 2% 23% $37,730,151 $13,245,181 $96,381,891 $40,668,000 $20,365,907 $418,295 $149,642,547

1Percentages are based on the total number of fraud complaints for each calendar year where consumers reported the method of payment: CY-2004 = 74,264; CY-2005 = 64,835; and CY-2006 = 67,348. 16% of the consumers reported this information during CY-2006, 18% and 15% for CY-2004 and CY-2005, respectively.

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Company's Method of Contacting Consumers1 January 1 - December 31, 2006
Internet - E-mail Internet - Web Site/Others Mail Phone Others

45% 15% 16% 13% 10%

Company's Method of Contacting Consumers Calendar Years 2004 through 2006
CY - 2004 CY - 2005 CY - 2006 1 1 1 Contact Method Complaints Percentages Complaints Percentages Complaints Percentages Internet - E-mail 109,333 33% 111,479 34% 138,160 45% Internet - Web Site/Others 72,437 22% 64,040 20% 46,698 15% Mail 46,688 14% 59,695 18% 50,340 16% Phone 54,777 17% 53,531 17% 39,414 13% Others 45,141 14% 34,832 11% 31,749 10% Total Reporting 328,376 323,577 306,361 Contact Method
1Percentages

are based on the total number of fraud complaints for each calendar year where company's method of initial contact was reported by consumers: CY-2004 = 328,376; CY-2005 = 323,577; and CY-2006 = 306,361. 72% of consumers reported this information during CY-2006, 80% and 74% for CY-2004 and CY-2005, respectively.

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Fraud Complaints by Consumer Age1 January 1 - December 31, 2006
19 and Under 20 - 29 30 - 39 40 - 49 50 - 59 60 - 69 70 and Over 8% 9% 20% 2% 16% 21% 23%

Fraud Complaints by Consumer Age Calendar Years 2004 through 2006
Consumer Age Range 19 and Under 20-29 30-39 40-49 50-59 60-69 70 and Over Total Reporting Age CY - 2004 Complaints 9,076 66,134 76,757 74,872 57,302 22,484 16,882 323,507 Percentages 3% 20% 24% 23% 18% 7% 5%
1

CY - 2005 Complaints 8,028 65,343 72,341 74,379 59,094 23,767 16,948 319,900 Percentages 3% 20% 23% 23% 18% 7% 5%
1

CY - 2006 Complaints 2,663 23,372 29,117 33,060 28,868 11,710 12,897 141,687 Percentages 2% 16% 21% 23% 20% 8% 9%
1

1Percentages

are based on the total number of consumers reporting their age in fraud complaints for each calendar year: CY-2004 = 323,507; CY-2005 = 319,900; and CY-2006 = 141,687. 33% of consumers reported this information during CY-2006, 79% and 73% for CY-2004 and CY-2005, respectively.

Federal Trade Commission

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Definition of "Internet-related": A fraud complaint is "Internet-related" if it concerns an Internet product or service, the company initially contacts the consumer via the Internet, or the consumer responds via the Internet.

Internet-Related Fraud Complaints

Total Number of Internet-Related Fraud Complaints & Amount Paid Calendar Years 2004 through 2006
CY Total No. of Complaints Complaints Reporting Amount Paid Percentage of Complaints Reporting Amount Paid Amount Paid Reported Average 1 Amount Paid Median 2 Amount Paid

2004 2005 2006

210,850 197,084 204,881

188,757 160,574 176,847

90% 81% 86%

$271,345,207 $336,559,907 $590,310,461

$1,438 $2,096 $3,338

$215 $342 $500

1Average

is based on the total number of consumers who reported amount paid for each calendar year: CY-2004 = 188,757; CY-2005 = 160,574; and CY-2006 = 176,847. Eighty-five consumers reported an amount paid of $1 million or more during CY-2006; 15 and 24 consumers for CY-2004 and CY-2005, respectively.

2Median is the middle number in a set of numbers so that half the numbers have values that are greater than the median and half have values that are less. Calculation of the median excludes complaints with amount paid reported as $0.

Distribution of Internet-Related Fraud Complaints by Reported Amount Paid Calendar Years 2004 through 2006
CY - 2004 Amount Paid $0 $1 - 25 $26 - 50 $51 - 75 $76 - 100 $101 - 250 $251 - 500 $501 - 1,000 $1,001 - 5,000 More than $5,000 Complaints Percentages 45,402 15,374 15,297 10,192 8,540 26,922 20,915 17,231 23,457 5,427 24% 8% 8% 5% 5% 14% 11% 9% 12% 3%
3

CY - 2005
3

CY - 2006
3

Complaints Percentages Complaints Percentages 35,969 10,241 11,344 6,844 6,311 20,245 17,596 16,487 28,189 7,348 22% 6% 7% 4% 4% 13% 11% 10% 18% 5% 75,558 6,711 7,186 4,500 4,544 14,077 14,015 15,714 26,854 7,688 43% 4% 4% 3% 3% 8% 8% 9% 15% 4%

3Percentages are based on the total number of consumers who reported amount paid for each calendar year: CY-2004 = 188,757; CY-2005 = 160,574; and CY-2006 = 176,847.

Federal Trade Commission

Page 10 of 90

Released February 7, 2007

Definition of "Internet-related": A fraud complaint is "Internet-related" if it concerns an Internet product or service, the company initially contacts the consumer via the Internet, or the consumer responds via the Internet.

Internet-Related Fraud Complaints

Methods of Payment Reported by Consumers For Internet-Related Fraud Complaints1 January 1 - December 31, 2006
50%

40%

35%

30%

24%
20%

18% 8% 3% 10% 1%
Credit Cards Money Telephone Wire Order Bill Transfer

10%

0%

Bank Cash/Cash Check Account Advance Debit

Methods of Payment Reported by Consumers For Internet-Related Fraud Complaints Calendar Years 2004 through 2006
CY - 2004 Bank Account Debit Cash/Cash Advance Check Credit Cards Money Order Telephone Bill Wire Transfer Total Reporting Payment Method
1Percentages

CY - 2005 $12,296,656 $4,798,767 $16,896,006 $10,574,233 $9,302,494 $338,338 $50,342,056 6,153 1,039 3,437 12,207 3,994 424 5,557 32,811 19% 3% 10% 37% 12% 1% 17% $11,181,306 $11,164,636 $21,804,907 $19,225,091 $7,839,486 $96,364 $41,786,350 6,643 1,168 2,851 12,927 3,659 429 8,771 36,448

CY - 2006 18% 3% 8% 35% 10% 1% 24% $21,797,896 $7,648,114 $60,130,995 $24,765,306 $16,664,885 $259,659 $91,623,098

1 1 1 Payment Method Complaints Percentages Amount Paid Complaints Percentages Amount Paid Complaints Percentages Amount Paid

6,054 963 3,738 12,104 4,717 1,032 4,121 32,729

18% 3% 11% 37% 14% 3% 13%

are based on the total number of Internet-related fraud complaints for each calendar year where consumers reported the method of payment: CY-2004 = 32,729; CY-2005 = 32,811; and CY-2006 = 36,448. 18% of the consumers reported this information during CY-2006, 16% and 17% for CY-2004 and CY-2005, respectively.
Page 11 of 90 Released February 7, 2007

Federal Trade Commission

Definition of "Internet-related": A fraud complaint is "Internet-related" if it concerns an Internet product or service, the company initially contacts the consumer via the Internet, or the consumer responds via the Internet.

Internet-Related Fraud Complaints

Internet-Related Fraud Complaints by Consumer Age1 January 1 - December 31, 2006
19 and Under 20 - 29 30 - 39 40 - 49 50 - 59 60 - 69 70 and Over 3% 7% 20% 2% 19% 24% 24%

Internet-Related Fraud Complaints by Consumer Age Calendar Years 2004 through 2006
Consumer Age Range 19 and Under 20-29 30-39 40-49 50-59 60-69 70 and Over Total Reporting Age
1Percentages

CY - 2004 Complaints 6,325 42,232 45,230 42,182 27,605 8,992 2,602 175,168 Percentages 4% 24% 26% 24% 16% 5% 1%
1

CY - 2005 Complaints 5,503 40,043 39,804 37,573 25,838 8,462 2,590 159,813 Percentages 3% 25% 25% 24% 16% 5% 2%
1

CY - 2006 Complaints 1,498 11,904 14,418 14,966 12,043 4,537 1,802 61,168 Percentages 2% 19% 24% 24% 20% 7% 3%
1

are based on the total number of consumers reporting their age in Internet-related fraud complaints for each calendar year: CY-2004 = 175,168; CY-2005 = 159,813; and CY-2006 = 61,168. 30% of consumers reported this information during CY-2006, 83% and 81% for CY-2004 and CY-2005, respectively.
Page 12 of 90 Released February 7, 2007

Federal Trade Commission

How Victims' Information is Misused1 Calendar Years 2004 through 2006
Credit Card Fraud
Percentages Percentages Percentages

Loan Fraud
Percentages Percentages Percentages
CY-2004 CY-2005 CY-2006

Theft Subtype New Accounts Existing Account Unspecified Total

16.6% 11.9% 0.1% 28%

15.6% 11.4% 0.2% 26%

15.2% 10.7% 0.2% 25%

Phone or Utilities Fraud
Percentages Percentages Percentages

Theft Subtype Business / Personal / Student Loan Auto Loan / Lease Real Estate Loan Unspecified Total

CY-2004

CY-2005

CY-2006

2.6% 1.9% 1.2% 0.2% 5%

2.6% 1.8% 1.2% 0.2% 5%

2.5% 1.7% 1.3% 0.2% 5%

Theft Subtype Wireless - New Accounts Utilities - New Accounts Telephone - New Accounts Unauthorized Charges to Existing Accounts Unspecified Total

CY-2004

CY-2005

CY-2006

Other Identity Theft
Percentages Percentages Percentages

10.0% 4.3% 6.0% 0.7% 0.3% 19%

9.0% 5.2% 5.5% 0.7% 0.4% 18%

7.2% 5.8% 4.4% 0.7% 0.5% 16%

Theft Subtype Uncertain
3 3

CY-2004

CY-2005

CY-2006

1.8% 2.4% 1.8% 0.9% 0.4% 0.3% 0.1% 0.3% 0.3% 0.2% 14.4% 22%

2.0% 2.2% 1.9% 0.9% 0.4% 0.3% 0.2% 0.2% 0.3% 0.2% 17.5% 25%

12.0% 4.6% 2.2% 2.1% 1.9% 0.9% 0.4% 0.3% 0.2% 0.2% 0.2% 0.2% 24%

Bank Fraud2
Percentages Percentages Percentages

Theft Subtype Electronic Fund Transfer Existing Accounts New Accounts Unspecified Total

CY-2004

CY-2005

CY-2006

6.6% 8.5% 3.6% 0.1% 18%

7.9% 7.5% 3.3% 0.1% 18%

8.0% 5.8% 3.1% 0.1% 16%

Miscellaneous Internet / Email Evading the Law Medical Apartment or House Rented Insurance Property Rental Fraud Securities / Other Investments Child Support Bankruptcy Magazines Other3 Total

Employment-Related Fraud
Percentages Percentages Percentages

Attempted Identity Theft
Percentages Percentages Percentages CY-2005 CY-2006

Theft Subtype Employment-Related Fraud

CY-2004

13%

12%

14%

Theft Subtype Attempted Identity Theft

CY-2004

CY-2005

CY-2006

6%

6%

6%

Government Documents or Benefits Fraud
Percentages Percentages CY-2005 Percentages CY-2006

Theft Subtype Fraudulent Tax Return Filed Driver's License Issued / Forged Government Benefits Applied For / Received Other Government Documents Issued / Forged4 Social Security Card Issued / Forged Unspecified Total
1Percentages

CY-2004

3.9% 2.3% 1.4% 0.7% 0.5% <0.1% 8%

4.8% 1.8% 1.5% 0.6% 0.2% <0.1% 9%

6.2% 1.4% 1.3% 0.9% <0.1% 10%

4

are based on the total number of complaints in the Identity Theft Data Clearinghouse for each calendar year: CY-2004 = 246,882; CY-2005 = 255,613; and CY-2006 = 246,035. Note that 18% of identity theft complaints include more than one type of identity theft in CY-2006, 20% in each year for CY-2004 and CY-2005.
2

Includes fraud involving checking and savings accounts and electronic fund transfers. subtype "Other" was replaced by theft subtypes "Miscellaneous" and "Uncertain" in CY-2006.

3Theft 4

Theft subtype "Social Security Card Issued/Forged" was combined with theft subtype "Other Government Documents Issued/Forged" in CY-2006.
Federal Trade Commission Page 13 of 90 Released February 7, 2007

Law Enforcement Contact1 January 1 ­ December 31, 2006
8% of Victims Notified a Police Department and a Report Was NOT Taken 62% of Victims Did Not Notify a Police Department

30% of Victims Notified a Police Department and a Report Was Taken

1Percentages

are based on the total number of identity theft complaints where victims indicated whether they had notified a police department (233,509). 98% of the identity theft victims who contacted the FTC directly reported law enforcement contact information. Less than one percent of victims who informed the FTC that they had contacted a police department did not indicate if a report was taken.

Law Enforcement Contact Calendar Years 2004 through 2006
If the victim notified a police department, was a report taken? Yes No Not Reported Total Who Notified a Police Department Total Who Did Not Notify a Police Department Total Reporting Law Enforcement Contact Information
2Percentages

CY-2004 Complaints 73,593 19,096 1,217 93,906 146,222 240,128 Percentages 31% 8% <1% 39% 61%
2

CY-2005 Complaints 74,613 21,314 1,207 97,134 148,832 245,966 Percentages 30% 9% <1% 39% 61%
2

CY-2006 Complaints 68,760 18,484 1,079 88,323 145,186 233,509 Percentages 30% 8% <1% 38% 62%
2

are based on the total number of identity theft complaints where victims indicated whether they had notified a police department: CY-2004 = 240,128; CY-2005 = 245,966; and CY-2006 = 233,509. 98% of identity theft victims who contacted the FTC directly reported law enforcement contact information in CY-2006, as well as in CY-2004 and CY-2005.

Federal Trade Commission

Page 14 of 90

Released February 7, 2007

Identity Theft Complaints by Victim Age1 January 1 ­ December 31, 2006
30

29% 23%

20

20%

13%
10

10% 5%
6% (65 And Over) 4% (60-64)

0

Under 18
1Percentages

18-29

30-39

40-49

50-59

60 and Over

are based on the total number of identity theft complaints where victims reported their age (225,532). 94% of the victims who contacted the FTC directly reported their age.

Identity Theft Complaints by Victim Age Calendar Years 2004 through 2006
CY-2004 Consumer Age Range Under 18 18 - 29 30 - 39 40 - 49 50 - 59 60 and Over 60 - 64 65+ Total Reporting Age
2Percentages

CY-2005
2

CY-2006 Complaints 10,835 65,734 52,612 44,689 29,367 22,295 7,987 14,308 225,532 Percentages2 5% 29% 23% 20% 13% 10% 4% 6%

Complaints 9,595 68,409 57,823 47,110 29,249 22,219 8,031 14,188 234,405

Percentages 4% 29% 25% 20% 12% 9% 3% 6%

Complaints 11,602 70,266 56,523 47,606 30,309 23,034 8,131 14,903 239,340

Percentages2 5% 29% 24% 20% 13% 9% 3% 6%

are based on the total number of identity theft complaints where victims reported their age: CY-2004 = 234,405; CY-2005 = 239,340; and CY-2006 = 225,532. 94% of the victims who contacted the FTC directly reported their age in CY-2006, 95% in each year for CY-2004 and CY-2005.

Federal Trade Commission

Page 15 of 90

Released February 7, 2007

Largest Metropolitan Areas Ranking for Fraud Consumer Complaints1 January 1 ­ December 31, 2006
Rank 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50
1Ranking

Metropolitan Area Greeley, CO Metropolitan Statistical Area Albany-Lebanon, OR Micropolitan Statistical Area Napa, CA Metropolitan Statistical Area Provo-Orem, UT Metropolitan Statistical Area Willimantic, CT Micropolitan Statistical Area Dunn, NC Micropolitan Statistical Area Torrington, CT Micropolitan Statistical Area Prescott, AZ Metropolitan Statistical Area Chambersburg, PA Micropolitan Statistical Area Thomasville-Lexington, NC Micropolitan Statistical Area Punta Gorda, FL Metropolitan Statistical Area Allegan, MI Micropolitan Statistical Area Lebanon, PA Metropolitan Statistical Area Winchester, VA-WV Metropolitan Statistical Area Yuba City, CA Metropolitan Statistical Area Springfield, OH Metropolitan Statistical Area Roseburg, OR Micropolitan Statistical Area Lake Havasu City-Kingman, AZ Micropolitan Statistical Area Salisbury, NC Micropolitan Statistical Area Gainesville, GA Metropolitan Statistical Area Michigan City-La Porte, IN Metropolitan Statistical Area Mount Vernon-Anacortes, WA Metropolitan Statistical Area Boulder, CO Metropolitan Statistical Area East Stroudsburg, PA Micropolitan Statistical Area Pottsville, PA Micropolitan Statistical Area Hanford-Corcoran, CA Metropolitan Statistical Area Concord, NH Micropolitan Statistical Area Flagstaff, AZ Metropolitan Statistical Area Olympia, WA Metropolitan Statistical Area Hagerstown-Martinsburg, MD-WV Metropolitan Statistical Area Monroe, MI Metropolitan Statistical Area Macon, GA Metropolitan Statistical Area Madera, CA Metropolitan Statistical Area Statesville-Mooresville, NC Micropolitan Statistical Area Fort Walton Beach-Crestview-Destin, FL Metropolitan Statistical Area Vallejo-Fairfield, CA Metropolitan Statistical Area Warner Robins, GA Metropolitan Statistical Area Ann Arbor, MI Metropolitan Statistical Area Niles-Benton Harbor, MI Metropolitan Statistical Area Santa Cruz-Watsonville, CA Metropolitan Statistical Area St. George, UT Metropolitan Statistical Area Morgantown, WV Metropolitan Statistical Area Reno-Sparks, NV Metropolitan Statistical Area New Bern, NC Micropolitan Statistical Area Durham, NC Metropolitan Statistical Area Hilton Head Island-Beaufort, SC Micropolitan Statistical Area Elizabethtown, KY Metropolitan Statistical Area Racine, WI Metropolitan Statistical Area Jefferson City, MO Metropolitan Statistical Area Fort Collins-Loveland, CO Metropolitan Statistical Area

Complaints Per 100,000 Complaints Population 1,023 466.6 442 411.5 524 396.0 1,471 356.7 399 349.0 353 347.6 655 346.1 655 343.6 463 343.3 516 335.6 526 334.7 375 333.4 413 331.8 367 325.0 489 323.0 457 320.4 328 318.0 570 316.7 425 316.4 509 316.3 343 312.5 342 307.9 857 307.3 476 299.5 442 299.3 416 291.8 423 290.6 352 286.8 644 286.6 695 283.9 433 283.8 644 282.2 382 274.9 374 273.1 495 272.8 1,115 270.0 334 269.9 904 266.5 433 265.4 660 263.3 287 261.1 297 261.0 999 259.8 295 256.9 1,157 256.4 399 254.3 276 251.9 488 251.3 355 249.2 669 248.8

is based on the number of fraud complaints per 100,000 inhabitants for each Metropolitan Area. This chart illustrates the top 50 Metropolitan Areas (Metropolitan and Micropolitan Statistical Areas) with a population of one hundred thousand or more. See fraud figures for all Metropolitan Areas with a population of 100,000 or more in Appendix C1. Metropolitan Areas presented here are those defined by the Office of Management and Budget as of November 2004 (www.census.gov/population/www/estimates/metropop/table01.xls).
Federal Trade Commission Page 16 of 90 Released February 7, 2007

Largest Metropolitan Areas Ranking for Identity Theft Consumer Complaints1 January 1 ­ December 31, 2006
Rank 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50
1Ranking

Complaints Metropolitan Area Napa, CA Metropolitan Statistical Area 403 Madera, CA Metropolitan Statistical Area 394 McAllen-Edinburg-Mission, TX Metropolitan Statistical Area 1,693 Greeley, CO Metropolitan Statistical Area 537 Yuba City, CA Metropolitan Statistical Area 358 Brownsville-Harlingen, TX Metropolitan Statistical Area 873 Hanford-Corcoran, CA Metropolitan Statistical Area 324 Albany-Lebanon, OR Micropolitan Statistical Area 230 Vallejo-Fairfield, CA Metropolitan Statistical Area 875 Laredo, TX Metropolitan Statistical Area 464 Flagstaff, AZ Metropolitan Statistical Area 257 Thomasville-Lexington, NC Micropolitan Statistical Area 301 Prescott, AZ Metropolitan Statistical Area 354 Sierra Vista-Douglas, AZ Micropolitan Statistical Area 229 Gainesville, GA Metropolitan Statistical Area 297 Lake Havasu City-Kingman, AZ Micropolitan Statistical Area 319 Phoenix-Mesa-Scottsdale, AZ Metropolitan Statistical Area 6,533 Monroe, MI Metropolitan Statistical Area 267 Dunn, NC Micropolitan Statistical Area 177 Tucson, AZ Metropolitan Statistical Area 1,573 Yuma, AZ Metropolitan Statistical Area 304 Stockton, CA Metropolitan Statistical Area 1,118 Bakersfield, CA Metropolitan Statistical Area 1,245 Las Cruces, NM Metropolitan Statistical Area 298 Fresno, CA Metropolitan Statistical Area 1,386 Modesto, CA Metropolitan Statistical Area 774 Vero Beach, FL Metropolitan Statistical Area 183 Oxnard-Thousand Oaks-Ventura, CA Metropolitan Statistical Area 1,176 Corpus Christi, TX Metropolitan Statistical Area 603 Merced, CA Metropolitan Statistical Area 347 Riverside-San Bernardino-Ontario, CA Metropolitan Statistical Area 5,536 Durham, NC Metropolitan Statistical Area 657 Port St. Lucie-Fort Pierce, FL Metropolitan Statistical Area 529 Las Vegas-Paradise, NV Metropolitan Statistical Area 2,376 Hammond, LA Micropolitan Statistical Area 150 Macon, GA Metropolitan Statistical Area 325 Miami-Fort Lauderdale-Miami Beach, FL Metropolitan Statistical Area 7,557 Ann Arbor, MI Metropolitan Statistical Area 478 Salisbury, NC Micropolitan Statistical Area 189 Santa Cruz-Watsonville, CA Metropolitan Statistical Area 351 Visalia-Porterville, CA Metropolitan Statistical Area 558 Goldsboro, NC Metropolitan Statistical Area 158 Yakima, WA Metropolitan Statistical Area 314 Roseburg, OR Micropolitan Statistical Area 140 Lakeland, FL Metropolitan Statistical Area 705 Olympia, WA Metropolitan Statistical Area 301 Dallas-Fort Worth-Arlington, TX Metropolitan Statistical Area 7,594 Niles-Benton Harbor, MI Metropolitan Statistical Area 216 Sacramento--Arden-Arcade--Roseville, CA Metropolitan Statistical Are 2,667 South Bend-Mishawaka, IN-MI Metropolitan Statistical Area 420

Complaints Per 100,000 Population 304.5 283.6 257.2 244.9 236.5 234.8 227.3 214.1 211.9 211.4 209.4 195.7 185.7 184.7 184.6 177.2 175.8 175.0 174.3 173.4 172.6 172.0 169.4 160.1 159.9 155.3 147.4 147.4 147.2 146.4 145.9 145.6 145.0 143.9 142.6 142.4 140.9 140.9 140.7 140.0 139.0 138.3 137.1 135.7 134.4 134.0 133.2 132.4 132.2 132.0

is based on the number of identity theft complaints per 100,000 inhabitants for each Metropolitan Area. This chart illustrates the top 50 Metropolitan Areas (Metropolitan and Micropolitan Statistical Areas) with a population of one hundred thousand or more. See identity theft figures for all Metropolitan Areas with a population of 100,000 or more in Appendix C2. Metropolitan Areas presented here are those defined by the Office of Management and Budget as of November 2004 (www.census.gov/population/www/estimates/metropop/table01.xls).
Federal Trade Commission Page 17 of 90 Released February 7, 2007

FRAUD COMPLAINTS BY CONSUMER STATE

IDENTITY THEFT VICTIMS BY STATE

January 1 - December 31, 2006
Complaints Per 100,000 Population 178.9 169.2 163.4 161.1 161.0 157.5 157.1 154.1 150.9 149.6 149.4 143.2 137.2 136.5 135.5 134.6 134.0 131.1 130.6 129.3 127.6 127.5 125.5 124.5 124.1 123.1 121.0 116.3 115.5 115.1 113.9 113.8 113.4 113.2 112.0 111.3 111.0 109.4 108.4 108.2 108.0 106.4 103.7 102.4 92.8 89.4 86.4 85.6 79.6 79.0 Complaints Per 100,000 Population 147.8 120.0 113.5 110.6 98.3 92.5 86.3 85.2 83.4 82.9 82.9 78.6 76.1 73.3 67.2 67.2 66.7 65.8 64.9 64.9 64.2 63.7 63.0 62.2 61.8 61.3 60.3 59.9 58.8 57.6 57.3 55.7 55.6 54.7 52.6 51.3 49.1 49.0 47.8 46.1 45.9 45.6 42.3 42.0 39.7 39.3 34.9 30.2 29.7 28.5

Rank 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Consumer State Utah Nevada Washington Colorado Alaska Virginia Hawaii Maryland Oregon Arizona New Hampshire Florida Idaho Montana Maine California Connecticut Delaware Pennsylvania New Jersey Wyoming Georgia Missouri Indiana Ohio New Mexico Wisconsin North Carolina Michigan Vermont Massachusetts Tennessee Minnesota West Virginia South Carolina Nebraska Kansas New York Illinois Texas Rhode Island Kentucky Oklahoma Alabama Louisiana Iowa Arkansas North Dakota Mississippi South Dakota

Complaints 4,563 4,222 10,451 7,657 1,079 12,039 2,020 8,653 5,583 9,222 1,964 25,902 2,012 1,289 1,791 49,070 4,695 1,119 16,242 11,284 657 11,941 7,331 7,863 14,241 2,406 6,724 10,300 11,665 718 7,333 6,871 5,860 2,058 4,841 1,968 3,068 21,129 13,908 25,425 1,153 4,477 3,711 4,708 3,981 2,666 2,428 544 2,318 618

Rank 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Victim State Arizona Nevada California Texas Florida Colorado Georgia New York Washington New Mexico Maryland Illinois Oregon New Jersey Virginia Michigan Delaware Connecticut Pennsylvania North Carolina Missouri Massachusetts Oklahoma Indiana Utah Tennessee Alabama Ohio Kansas Rhode Island Alaska South Carolina Minnesota Arkansas Louisiana Mississippi Nebraska Idaho Hawaii New Hampshire Montana Wisconsin Wyoming Kentucky Maine West Virginia Iowa South Dakota North Dakota Vermont

Complaints 9,113 2,994 41,396 26,006 17,780 4,395 8,084 16,452 5,336 1,621 4,656 10,080 2,815 6,394 5,137 6,784 569 2,305 8,080 5,748 3,753 4,102 2,254 3,928 1,577 3,700 2,774 6,878 1,626 615 384 2,408 2,872 1,537 2,256 1,494 868 718 615 606 434 2,536 218 1,766 525 715 1,041 236 189 178

Note: Per 100,000 unit of population estimates are based on the 2006 U.S. Census population estimates (Table NST-EST2006-01 - Annual Estimates of the Population for the United States and States, and for Puerto Rico: April 1, 2000 to July 1, 2006). Numbers for the District of Columbia are: Fraud = 1,139 complaints and 195.9 complaints per 100,000 population; Identity Theft = 765 victims and 131.5 victims per 100,000 population. Federal Trade Commission Page 18 of 90 Released February 7, 2007

Detailed State Information
(one page per state and the District of Columbia)

Fraud Complaints
Top Fraud Complaint Categories for Consumers Amount Paid Reported by Consumers

Identity Theft Complaints
Identity Theft Types Reported by Victims

Federal Trade Commission

Page 19 of 90

Released February 7, 2007

ALABAMA Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 7,482

Fraud Complaints from Alabama Consumers = 4,708
Top Fraud Complaint Categories for Alabama Consumers 1 Complaints Percentage Rank Top Categories 1 Prizes/Sweepstakes and Lotteries 693 15% 2 Shop-at-Home/Catalog Sales 485 10% 3 Internet Services and Computer Complaints 417 9% 4 Internet Auctions 359 8% 5 Foreign Money Offers 207 4%
1Percentages

are based on the total number of fraud complaints from Alabama consumers (4,708).

Amount Paid Reported by Alabama Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

4,708
2Average

$7,008,744

4,107

87%

$1,707

amount paid is based on the total number of fraud complaints where amount paid was reported by Alabama consumers (4,107). One consumer reported an amount paid of $1.7 million.

Identity Theft Complaints from Alabama Victims = 2,774
Identity Theft Types Reported by Alabama Victims
Rank 1 2 3 4 5 6 Identity Theft Type Credit Card Fraud Phone or Utilities Fraud Government Documents or Benefits Fraud Bank Fraud2 Employment-Related Fraud Loan Fraud Other Attempted Identity Theft Complaints 655 501 486 387 217 141 679 139 Percentage1 24% 18% 18% 14% 8% 5% 24% 5%

1Percentages

are based on the 2,774 victims reporting from Alabama. Percentages add to more than 100 because approximately 17% of victims from Alabama reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 20 of 90 Released February 7, 2007

ALASKA Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 1,463

Fraud Complaints from Alaska Consumers = 1,079
Top Fraud Complaint Categories for Alaska Consumers 1 Complaints Percentage Rank Top Categories 1 Internet Services and Computer Complaints 286 27% 2 Prizes/Sweepstakes and Lotteries 109 10% 3 Shop-at-Home/Catalog Sales 104 10% 4 Internet Auctions 92 9% 5 Foreign Money Offers 62 6%
1Percentages

are based on the total number of fraud complaints from Alaska consumers (1,079).

Amount Paid Reported by Alaska Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

1,079
2Average

$3,577,633

930

86%

$3,847

amount paid is based on the total number of fraud complaints where amount paid was reported by Alaska consumers (930). One consumer reported an amount paid of $1.7 million.

Identity Theft Complaints from Alaska Victims = 384
Identity Theft Types Reported by Alaska Victims
Rank Identity Theft Type 1 Credit Card Fraud 2 Phone or Utilities Fraud 3 4 5 6 Bank Fraud2 Employment-Related Fraud Government Documents or Benefits Fraud Loan Fraud Other Attempted Identity Theft Complaints 99 60 56 43 29 21 103 21 Percentage1 26% 16% 15% 11% 8% 5% 27% 5%

are based on the 384 victims reporting from Alaska. Percentages add to more than 100 because approximately 15% of victims from Alaska reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 21 of 90 Released February 7, 2007

1Percentages

ARIZONA Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 18,335

Fraud Complaints from Arizona Consumers = 9,222
Top Fraud Complaint Categories for Arizona Consumers 1 Complaints Percentage Rank Top Categories 1 Prizes/Sweepstakes and Lotteries 973 11% 2 Shop-at-Home/Catalog Sales 957 10% 3 Internet Services and Computer Complaints 952 10% 4 Internet Auctions 654 7% 5 Foreign Money Offers 370 4%
1Percentages

are based on the total number of fraud complaints from Arizona consumers (9,222).

Amount Paid Reported by Arizona Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

9,222
2Average

$14,825,240

7,860

85%

$1,886

amount paid is based on the total number of fraud complaints where amount paid was reported by Arizona consumers (7,860). One consumer reported an amount paid of $1 million.

Identity Theft Complaints from Arizona Victims = 9,113
Identity Theft Types Reported by Arizona Victims
Rank Identity Theft Type 1 Employment-Related Fraud 2 Credit Card Fraud 3 4 5 6 Bank Fraud2 Phone or Utilities Fraud Government Documents or Benefits Fraud Loan Fraud Other Attempted Identity Theft Complaints 3,579 1,404 1,192 1,045 532 372 1,984 381 Percentage1 39% 15% 13% 11% 6% 4% 22% 4%

1Percentages

are based on the 9,113 victims reporting from Arizona. Percentages add to more than 100 because approximately 16% of victims from Arizona reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 22 of 90 Released February 7, 2007

ARKANSAS Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 3,965

Fraud Complaints from Arkansas Consumers = 2,428
Top Fraud Complaint Categories for Arkansas Consumers 1 Complaints Percentage Rank Top Categories 1 Shop-at-Home/Catalog Sales 289 12% 2 Internet Services and Computer Complaints 224 9% 3 Internet Auctions 219 9% 4 Prizes/Sweepstakes and Lotteries 211 9% 5 Foreign Money Offers 109 4%
1Percentages

are based on the total number of fraud complaints from Arkansas consumers (2,428).

Amount Paid Reported by Arkansas Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

2,428
2Average

$4,814,170

2,143

88%

$2,246

amount paid is based on the total number of fraud complaints where amount paid was reported by Arkansas consumers (2,143). One consumer reported an amount paid of $1.6 million.

Identity Theft Complaints from Arkansas Victims = 1,537
Identity Theft Types Reported by Arkansas Victims
Rank Identity Theft Type 1 Credit Card Fraud 2 Phone or Utilities Fraud 3 4 5 6 Bank Fraud2 Government Documents or Benefits Fraud Employment-Related Fraud Loan Fraud Other Attempted Identity Theft Complaints 375 294 263 148 144 88 404 79 Percentage1 24% 19% 17% 10% 9% 6% 26% 5%

1Percentages

are based on the 1,537 victims reporting from Arkansas. Percentages add to more than 100 because approximately 19% of victims from Arkansas reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 23 of 90 Released February 7, 2007

CALIFORNIA Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 90,466

Fraud Complaints from California Consumers = 49,070
Top Fraud Complaint Categories for California Consumers 1 Complaints Percentage Rank Top Categories 1 Internet Services and Computer Complaints 5,324 11% 2 Shop-at-Home/Catalog Sales 5,230 11% 3 Prizes/Sweepstakes and Lotteries 4,707 10% 4 Internet Auctions 3,439 7% 5 Foreign Money Offers 2,677 5%
1Percentages

are based on the total number of fraud complaints from California consumers (49,070).

Amount Paid Reported by California Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

49,070
2Average

$121,814,681

41,810

85%

$2,914

amount paid is based on the total number of fraud complaints where amount paid was reported by California consumers (41,810). Nineteen consumers reported an amount paid of $1 million or more.

Identity Theft Complaints from California Victims = 41,396
Identity Theft Types Reported by California Victims
Rank Identity Theft Type 1 Credit Card Fraud 2 Employment-Related Fraud 3 4 5 6 Bank Fraud2 Phone or Utilities Fraud Government Documents or Benefits Fraud Loan Fraud Other Attempted Identity Theft Complaints 10,489 7,223 7,026 6,423 3,350 2,106 10,046 2,325 Percentage1 25% 17% 17% 16% 8% 5% 24% 6%

1Percentages

are based on the 41,396 victims reporting from California. Percentages add to more than 100 because approximately 19% of victims from California reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 24 of 90 Released February 7, 2007

COLORADO Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 12,052

Fraud Complaints from Colorado Consumers = 7,657
Top Fraud Complaint Categories for Colorado Consumers 1 Complaints Percentage Rank Top Categories 1 Shop-at-Home/Catalog Sales 818 11% 2 Internet Services and Computer Complaints 723 9% 3 Internet Auctions 682 9% 4 Prizes/Sweepstakes and Lotteries 640 8% 5 Foreign Money Offers 427 6%
1Percentages

are based on the total number of fraud complaints from Colorado consumers (7,657).

Amount Paid Reported by Colorado Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

7,657
2Average

$37,247,896

6,531

85%

$5,703

amount paid is based on the total number of fraud complaints where amount paid was reported by Colorado consumers (6,531). One consumer reported an amount paid of $28 million.

Identity Theft Complaints from Colorado Victims = 4,395
Identity Theft Types Reported by Colorado Victims
Rank Identity Theft Type 1 Credit Card Fraud 2 3 4 5 6 Bank Fraud2 Employment-Related Fraud Phone or Utilities Fraud Government Documents or Benefits Fraud Loan Fraud Other Attempted Identity Theft Complaints 1,006 732 730 624 283 218 1,199 282 Percentage1 23% 17% 17% 14% 6% 5% 27% 6%

1Percentages

are based on the 4,395 victims reporting from Colorado. Percentages add to more than 100 because approximately 17% of victims from Colorado reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 25 of 90 Released February 7, 2007

CONNECTICUT Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 7,000

Fraud Complaints from Connecticut Consumers = 4,695
Top Fraud Complaint Categories for Connecticut Consumers 1 Complaints Percentage Rank Top Categories 1 Prizes/Sweepstakes and Lotteries 616 13% 2 Shop-at-Home/Catalog Sales 569 12% 3 Internet Services and Computer Complaints 499 11% 4 Internet Auctions 409 9% 5 Foreign Money Offers 188 4%
1Percentages

are based on the total number of fraud complaints from Connecticut consumers (4,695).

Amount Paid Reported by Connecticut Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

4,695
2Average

$5,828,659

4,121

88%

$1,414

amount paid is based on the total number of fraud complaints where amount paid was reported by Connecticut consumers (4,121).

Identity Theft Complaints from Connecticut Victims = 2,305
Identity Theft Types Reported by Connecticut Victims
Rank Identity Theft Type 1 Credit Card Fraud 2 Phone or Utilities Fraud 3 4 5 6 Bank Fraud2 Employment-Related Fraud Government Documents or Benefits Fraud Loan Fraud Other Attempted Identity Theft Complaints 706 442 306 201 149 117 581 180 Percentage1 31% 19% 13% 9% 6% 5% 25% 8%

1Percentages

are based on the 2,305 victims reporting from Connecticut. Percentages add to more than 100 because approximately 17% of victims from Connecticut reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 26 of 90 Released February 7, 2007

DELAWARE Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 1,688

Fraud Complaints from Delaware Consumers = 1,119
Top Fraud Complaint Categories for Delaware Consumers 1 Complaints Percentage Rank Top Categories 1 Prizes/Sweepstakes and Lotteries 145 13% 2 Internet Services and Computer Complaints 129 12% 3 Shop-at-Home/Catalog Sales 128 11% 4 Internet Auctions 78 7% 5 Advance-Fee Loans and Credit Protection/Repair 57 5%
1Percentages

are based on the total number of fraud complaints from Delaware consumers (1,119).

Amount Paid Reported by Delaware Consumers
Total No. of Complaints Total Amount Paid Reported Average Total Complaints Percentage of Complaints 2 Reporting Amt Pd Reporting Amount Paid Amount Paid

1,119
2Average

$1,769,654

977

87%

$1,811

amount paid is based on the total number of fraud complaints where amount paid was reported by Delaware consumers (977).

Identity Theft Complaints from Delaware Victims = 569
Identity Theft Types Reported by Delaware Victims
Rank Identity Theft Type 1 Credit Card Fraud 2 Phone or Utilities Fraud 3 4 5 6 Bank Fraud2 Employment-Related Fraud Government Documents or Benefits Fraud Loan Fraud Other Attempted Identity Theft Complaints 165 90 80 80 43 32 138 47 Percentage1 29% 16% 14% 14% 8% 6% 24% 8%

1Percentages

are based on the 569 victims reporting from Delaware. Percentages add to more than 100 because approximately 20% of victims from Delaware reported experiencing more than one type of identity theft. 2Includes fraud involving checking and savings accounts and electronic fund transfers.
Federal Trade Commission Page 27 of 90 Released February 7, 2007

DISTRICT OF COLUMBIA Consumer Sentinel Complaint Figures January 1 - December 31, 2006
Total Number of Fraud and Identity Theft Consumer Complaints = 1,904

Fraud Complaints from District of Columbia Consumers = 1,139
Top Fraud Complaint Categories for District of Columbia Consumers 1 Complaints Percentage Rank Top Categories 1 Internet Services and Computer Complaints 174 15% 2 Prizes/Sweepstakes and Lotteries 127 11% 3 Shop-at-Home/Catalog Sales 116 10% 4 Foreign