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1 <br /> <br />' consumer report (e.g. cannot provide the authenticating password previously <br /> agreed to by customer and the Department in regards to the Covered <br /> Account). <br />' D <br />Unus <br />al U <br />f <br />S <br />i <br />i <br />A <br />i <br />i <br />l <br /> . <br />u <br />se o <br />, or <br />usp <br />c <br />ous <br />ct <br />v <br />ty Re <br />ated to the Covered Account <br /> i. Mail sent to the customer by the Department is returned repeatedly as <br />' undeliverable although transactions continue to be conducted in connection <br /> with the customer's Covered Account with the Department. <br /> ii. The Department is notified that a customer is not receiving paper account <br />' statements. <br /> iii. A Covered Account that has been inactive for a reasonably lengthy period of <br /> time is used (taking into consideration the expected pattern of usage and other <br /> relevant factors). <br /> iv. The Department is notified of unauthorized activity m connection with a <br /> Covered Account. <br /> E. Notices <br />' i. The Department is notified by a customer, a victim of identity theft, a law <br /> enforcement authority, or any other person that it has opened a fraudulent <br /> account for a person engaged in identity theft. <br /> <br /> IV. DETECTION OF RED FLAGS <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />In order to detect Red Flags identified under Section III of this Program, the Department <br />will use the following procedure to verify, to the extent reasonable and practicable, the <br />identity of each customer of or applicant for a Covered Account such that the Department <br />will be able to form a reasonable belief that it knows the true identity of each customer. <br />A. When Opening a Covered Account for a Customer Who is an Individual <br />i. The Department will obtain the following information from the customer: <br />a. Name <br />b. Date of Birth (for an individual) <br />c. Street Address <br />ii. The Department will then verify the identity of the customer either before the <br />Covered Account is opened or within a reasonable time after the Covered <br />Account is opened through the use of an unexpired government-issued <br />identification evidencing nationality or residence and bearing a photograph or <br />similar safeguard (examples: a driver's license or passport). The customer <br />must show the identification in person. <br />iii. If a customer does not want to appear in person for the verification of identity, <br />the customer may choose to provide the Department with his/her taxpayer <br />identification number or authenticated password established by customer. The <br />Department may then verify identity by comparing the information provided <br />F-12 <br />RM 3/26/2009 4 <br />Attachment number 1 <br />Page 207 of 320 <br />