Thursday, February 21, 2008

Experian vs. LifeLock Lawsuit

VS.
by Doug Pollack

The Red Tape Chronicles yesterday reported on a recently-filed lawsuit by Experian, a major US credit bureau, against Lifelock. This lawsuit represents the first "shot across the bow" for vendors of credit services that rely on placing continuous fraud alerts on consumer accounts with the credit bureaus.

About.com's identity theft site defines a fraud alert as a "flag that is put on your credit report through the consumer reporting agencies. This flag establishes that as part of any credit approval process, you need to be notified."

Lifelock's consumer service, which they tout as providing guaranteed protection against identity theft, relies solely on the setting of fraud alerts to provide consumers with the stated protection. The Experian lawsuit brings into question the efficacy of fraud alerts as a means to prevent identity theft.

The Red Tape Chronicles article highlights that a key assertion of the lawsuit is that LifeLock is using deceptive advertising practices and making misleading claims in order to persuade consumers to subscribe to their service. The article notes that the "credit bureau Experian is suing the identity theft prevention firm LifeLock, accusing it of deception and fraud in its familiar advertising campaign, which includes a spot in which CEO Todd Davis reveals his Social Security number and then brags about the effectiveness of the company’s protections. In the lawsuit, filed in U.S. District Court on Feb. 13, Experian contends that LifeLock's advertising is misleading and that the firm is breaking federal law in the way it goes about protecting consumers."

The Experian lawsuit also brings into question the legality associated with firms placing fraud alerts on behalf of consumers. The Red Tape Chronicles article notes that "Experian contends that LifeLock's chief ID theft prevention tool -- the placing of continuous fraud alerts on consumers' credit files – is illegal because, under the Fair Credit Reporting Act, fraud alerts can only be requested by the individual consumer or an individual acting on behalf of the consumer."

ID Safeguards provides corporations and consumers with identity theft services. Among these services are those that assist victims of identity theft with recovery of their identities taking a "fully managed" approach to recovery. Coincidentally, the company has handled identity theft recovery efforts for numerous LifeLock members who became victims of identity theft, despite the placement of fraud alerts by LifeLock.

The fact that LifeLock members do fall victim to identity theft should not be surprising. Fraud alerts do not prevent an identity thief from co-opting and using one of your credit cards. They also don't prevent someone from using your social security number to work. They further don't prevent thieves from signing up for utilities of telecommunications services using your identity. And they don't stop someone from using your personal information to get access to health care services.

Fraud alerts also don't prevent inquires for credit from showing up on a victims credit report. These "little dings" can have a detrimental effect on an person's credit score. Fraud alerts do have their place in dealing with a threat to your financial identity, but they are not a silver bullet and certainly are not a guarantee that individuals won't fall victim to identity theft.

245 comments:

1 – 200 of 245   Newer›   Newest»
Anonymous said...

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Aspen Consulting & Associates said...

As a Certified Identity Theft Risk Management Specialist, I view most of these Life-Lock-type companies as my arch nemesis. They are the "bad-guy", not the good guy. They might as well be on the same side as the ID thieves as far as I am concerned, as they are just stealing your money. Companies that place fraud alerts on behalf of ALL their clients are reducing the efficacy for those clients who are REALLY in an emergency situation and need to place a fraud alert. It is like everyone crying wolf. I take emergency victim cases, and fraud alerts are less effective now than they were just two years ago at preventing financial ID Theft. This article is great in pointing out that these companies do nothing to help with medical, character, driver's license, or social security id theft. So far the only products I recommend are: #2: CSIdentity, and the #1: Identity Theft Shield. There is a huge gap between even #1 and #2, in that only #1 uses KROLL, a NYSE company who employs licensed investigators to do the restoration work for you if you are a victim. They have also teamed up with Pre-Paid Legal, to help victims with the legal ramifications of being a victim. At only $12.95-$36 per month per family, this is by far the necessary coverage.

Aspen Morrow said...

You can enroll for the ID Theft Shield at: www.eyeonidtheft.com
This coverage will do the work for you if you are a victim, saving you up to 600 business hours, $1500 out of pocket, and countless sleepless nights. Wouldn't it be nice to never have to worry about handing your credit card to servers?

Dark one said...

I agree with the CITRMS Professional's statement.
I am also a Certified Identity Theft Risk Management Specialist. Its important that people realise that life locks services you can do for free secondly Experian is also sueing life lock. That doesn't help there crediablity when the credit bureau is sueing them for misleading people and locking up the system.
i would take the best risk mangement professionals who have the 30 years experaince. KROLL) over the amatures (LIFELOCK) who may have only been around possibly for a few years in the identity theft field.

Anonymous said...

For some reason, all of the comments posted here seem like company shills of one kind or another.

Dark one said...

It may seem that way however its important to know what you can do to protect your self however, you also need to realise many companies are just out there to make a simple dollar and not help you at all. You can't Solve an Identity Theft Problem by throwing money at it. Its called the Data Base You, all of your Records are in company data bases. Think of your bills, your medical insurance, Military records if you've served. Companies have data Brokers who exchange this data for money. While some companies are legit, others are not. if your information falls into the hands of the corrupt company your already at risk, the problem is we don't know what who has our information or what there doing with it. we can assume its safe and hope for the best or take action and help reduce the possiblities. In the world of Cyber-crime and Identity Theft Proactive is better then Reactive

Anonymous said...

I hate to say it but I am glad that LifeLock is holding the credit bureaus accountable. I had my identity stolen in 2000 and I have been fighting for years to get the bloody bureaus to clean it up. Once I get it cleared up they put the person who stole my info back into my reports. I wish someone would sue the credit bureaus for not having accuate data.

Andrew Berry CITRMS said...
This comment has been removed by the author.
Andrew Berry CITRMS said...

Reguarding the last post,
I will say this No system is 100% perfect. I'm glad that life lock is helping you. However what about the other 4 areas of your identity. They do not help you with that, they're strictly protecting your financial Identity with services you could do your self for free.Your complete identity is what needs to be protected. If you would like more information on this matter i can show you the comparisons of the companies that the National Science Foundation, and other credible researchers have been conducting to show you how important it is. Knowledge is one thing Applied knowlege is a completely different field.
CITRMSAPB@Gmail.com

Andrew Berry CITRMS said...
This comment has been removed by the author.
Betty Braughton said...

I filed a police report when I found I had charges on my credit report that wern't mine. When i went to the police I didn't have everything THEY needed for the report. They sent me home and recommended OptOutDetectives.com and their questionaire on their website. It was really detailed and i did get the police report filed. I called Optoutdetectives and talked to Mike. He's a police officer and helped me out alot so I bought their package. After being a victim and being forced to learn about the crime and how it happens I'm glad they helped. Check them out as well. But get some protection.

Anonymous said...

comment that my experian or lifelock and it need be take of my experian thank you

Kenneth Manuel said...

Hello to all. Thank you to the CITRMS representative. I am a Prepaid Legal Independent Associate. We have teamed up with the company Kroll to protect your identity. Not only do we protect it, we use Kroll to restore it, monitor it on a daily basis and provide legal representation if you need to go to court. And we provide that for you for only $26.95 to $35.95 monthly, no binding contract. For more information, go to my website at www.prepaidlegal.com/hub/kennethmanuel.

Anonymous said...

I have to agree with Aspen Consulting on this one. I also am a certified Identity Theft specialist, dealing specifically in criminal identity theft, but trained in financial id theft as well. As part of my role in the business I have come in close contact with many companies that deal in ID theft protection and I can tell you unequivocally that in our field...Todd Davis and Life Lock are essentially dirty words amongst those of us who truly have the consumer/victims' best interest at heart. I'm also familiar with some of Todd Davis's exploits that are not so well publicized and I will go even a step further and say that Mr. Davis is a scumbag, after financial profit and really not caring about much else. He flirts with the edges of what's legal and regularly crosses the line of what's moral, and thats on a regular basis. Do yourselves a favor, do some research, everything lifelock makes you pay for you can do yourself for free. There are other groups like CSIdentity, Trend Micro, and many others that are much more consumer minded morally upstanding companies if you decide you want a company looking after your information.

Andrew Berry, CITRMS said...

I agree with that statement as well.

Anonymous said...

Todd Davis needs to worry now about his "other" info being on the internet

http://blogs.myspace.com/index.cfm?fuseaction=blog.view&friendId=388730644&blogId=502035461

Andrew Berry, CITRMS said...

I agree with you on that

Andrew Berry, CITRMS said...

One thing i can say is while lifelock and others are in the same industry they are not in the same league as Kroll. since Kroll has way more resources to pull from.

Anonymous said...

So what's it to you if I want to pay someone (Lifelock) to do this one little thing for me (Fraud Alerts)? I too think that LifeLock has made the credit bureaus accountable, at least in that one facet of a complicated issue. I am sad that the court system has found in favor of the credit bureaus.

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A POX ON ALL YOUR HOUSES.I WANT A PERMANENT FRAUD ALERT,WITH DAMAGES COLLECTIBLE IF THE INSTITUTION FAILS IN ITS DUTY TO ME.KEEP YOUR CREDIT AND STAY OUT OF MY BUSINESS!!

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Anonymous said...

I too want a permanent fraud alert. Companies regardless, should not have access to my transaction unless I give them Personal Permission,period. Experion just wants more of the pie. The whole credit program is a scam.

Andrew Berry, CITRMS said...

Keep in mind if you had a permanent fraud alert every time you went to do something even if it is you doing the activity they would question it and possibly investigate it. you wouldn't really be able to get what you wanted done with them flagging everything you do. It also takes several days for allot of those implications to actual come off once they have been put on so it would be harmful to your current operations not just the people trying to access your accounts. I will agree the credit system is no where near perfect, however knowledge is power when dealing with them.

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Patricia A. Carpenter said...

I joined LifeLock member in June of 2008. I'm mentioning the store I was shopping in, however, if it's not allowed feel free to remove their name.

I walked into Kay Jewelers just to browse decided to get something. The bottom line, when paying, as always I was offord & agreed to open a Kay Jewlers Credit Account & told her I had LifeLock & to expect a call from them. To my shock & disappointment the call never came through!

I asked if a credit check was done, there was. Then,"may I ask what kind of credit check was done"? I was told they do their own kind of credit checking, but do go through one of the three credit bureaus. She also said LifeLock should have flagged your SS number we used to check your credit and called.

So having LifeLock wouldn't stop anyone from going into this particular store, receive $7,500 credit line like I did in my name and have a ball. (no I only spent $99.00)

I don't know if this is important, but Kay Jewelers didn't use my formal name Patricia, they used Pat which not how I filled out my application.

The whole transaction from start to finish was strang.

Andrew Berry, CITRMS said...

Hey Patricia,
feel free to email me if you would like to discuss this issue.
CITRMSAPB@GMAIL.com

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