Deck 5: Identity Theft and Identity Fraud

Question 1

If someone found a lost driver's license and then used it to open multiple bank accounts and commit tax-related fraud, which type of identity theft/fraud was committed?

A) reverse criminal record identity theft
B) criminal record identity theft/fraud
C) virtual identity theft/fraud
D) credit identity theft/fraud

Answer 1

D

Question 2

Which of the following is the most general problem faced by American law enforcement and government officials who want to eradicate identity fraud/theft?

A) the rise of terrorists and organized crime groups
B) the increasing use of compound surnames
C) the trend toward removing social security numbers from drivers licenses
D) the boundless nature of the Internet

Answer 2

D

Question 3

Which of the following is NOT a category of phishing attacks?

A) redirectors
B) pharming
C) botnets
D) spoofing

Answer 3

C

Question 4

Which of the following is true regarding bag operations as a physical method of identity theft?

A) They include sifting through commercial or residential trash or waste for information deemed valuable.
B) They are typically conducted by the host government's security or intelligence services.
C) They are executed by depositing personal documents in unlocked containers on the side of the road until they are retrieved.
D) They involve the creation of shell companies that engage in the collection of personal financial information.

Question 5

Which of the following is true regarding the theft of computers as a physical method of identity theft?

A) Physical theft of computers is the least common technique employed by identity thieves.
B) Individuals without technical expertise cannot successfully execute this physical method of identity theft.
C) Areas particularly vulnerable to theft of computers include private residences and recreation centers.
D) Theft of computers does not alleviate the need to analyze and organize voluminous paper documents.

Question 6

Which of the following types of identity theft/fraud is defined as the use of stolen personal and financial information to facilitate the creation of fraudulent accounts?

A) virtual identity theft/fraud
B) criminal record identity theft/fraud
C) theft for employment and/or border entry
D) credit identity theft/fraud

Question 7

Which of the following is a disadvantage of using SpyBuddy to steal passwords?

A) It may be detected by software.
B) It is hard to install and remove.
C) It initiates after start-up.
D) It is attached to a local machine.

Question 8

Which of the following types of identity theft/fraud is a person engaged in if he created a fictitious profile on a social networking site so as to facilitate an extramarital affair?

A) criminal record identity theft/fraud
B) assumption of identity
C) credit or financial theft
D) virtual identity theft/fraud

Question 9

Which of the following examples may be classified as identity fraud?

A) You are wrongfully accused of a crime committed by an impostor.
B) Your phone bill reflects long distance charges you did not make.
C) You have documents that helped you illegally immigrate into the country.
D) You use a fake name to make a restaurant reservation.

Question 10

Which of the following is true regarding Trojans?

A) They provide a mechanism for cybercriminals to change Web site IP addresses.
B) They are malicious programs that redirect users' network traffic to undesired sites.
C) They record every keystroke, including BIOS passwords, and are undetectable by software.
D) They are potentially unwanted and are often housed with commercial utilities.

Question 11

Which of the following is NOT a reason why lenders have often confounded law enforcement by their reluctance to join in the efforts to combat identity threat/fraud?

A) Consumers are unconcerned and won't take steps to protect their accounts.
B) Lenders are singularly motivated by capitalism.
C) Benefits flow to them from easily available credit.
D) Lenders willingly absorb costs associated with identity theft/fraud.

Question 12

Which of the following physical methods of identity theft involves the surreptitious entry into hotel rooms to steal, photograph, or photocopy documents?

A) bag operations
B) insiders
C) card skimming
D) dumpster diving

Question 13

Which of the following is true regarding keyloggers?

A) They are designed to capture passwords and other private information.
B) They are designed to recover lost work in the case of computer problems.
C) They are designed to use company trademarks to represent a legitimate institution.
D) They are designed for worthwhile goals like parental control.

Question 14

Paper shredders and disk-wiping software are means to avoid which of the following physical methods of identity theft?

A) mail theft
B) bag operations
C) ATM manipulation
D) dumpster diving

Question 15

Which of the following types of identity theft/fraud is by far the most common and also the most feared by the American public?

A) credit identity theft/fraud
B) assumption of identity
C) theft for employment and/or border entry
D) virtual identity theft/fraud

Question 16

"Popcorning" is a technique used in which of the following physical methods of identity theft?

A) child identity theft
B) mail theft
C) fraudulent or fictitious companies
D) theft of computers

Question 17

Which of the following is an example of a bag operation?

A) A person surreptitiously enters a suspect's hotel room to download information from the suspect's laptop computer.
B), A person retrieves a bag full of documents containing personal and financial information from his neighbor's mailbox.
C) A logistics manager is accused of losing tapes containing personal information of government employees during shipment.
D) A person is found sifting through bags of commercial trash, looking for passwords, computer systems, and software.

Question 18

An upstanding citizen with no police record, Jonathan discovers that a past acquaintance who's now a career criminal is claiming Jonathan's identity.What form of identity theft/threat is Jonathan a victim of?

A) assumption of identity
B) theft for employment
C) reverse criminal record identity theft
D) credit identity theft/fraud

Question 19

Which of the following best distinguishes identity theft?

A) Identity theft is the illegal use or transfer of a third party's personal identification information with unlawful intent.
B) Identity theft encompasses identity fraud within its purview.
C) Identity theft involves any attempts by minors to use fake IDs to purchase alcohol or gain access to nightclubs or gambling establishments.
D) Identity theft is a vast array of illegal activities based on fraudulent use of identifying information of a real or fictitious person.

Question 20

Which of the following statements correctly distinguishes between identity theft and identity fraud?

A) Identity fraud is always a victimless crime.
B) Identity fraud may involve the fabrication of identity information based on a fictitious person.
C) Identity theft may be done for criminal purposes.
D) Identity theft does not utilize historical or biometric information.

Question 21

According to victim reports, 42 percent of identity theft involved cases involving the procurement of government documents or benefits.

Question 22

An individual who creates a false virtual identity has automatically crossed the line into illegal activity.

Question 23

Which of the following would NOT be classified under insurance and loan fraud?

A) enrolling in distance education and online courses using fake identities
B) creating multiple accounts with a bank to commit-tax related fraud
C) dropping out of community colleges upon receiving government loans for education
D) obtaining free medical care by procuring a victim's personal information

Question 24

The Visa Waiver Pilot Program (VWPP) caused the most recent surge in which of the following fraudulent activities?

A) credit card fraud
B) immigration benefit fraud
C) alien smuggling
D) trafficking

Question 25

Which of the following are most often used fraudulently to obtain immigration benefits?

A) student ID
B) drivers' licenses
C) documentation of residency
D) credit cards

Question 26

According to the Federal Trade Commission, there is a marked increase in the number of children victimized by identity theft since 2003.

Question 27

Reverse criminal record identity theft/fraud is relatively uncommon and the immediate financial repercussions are usually not significant.

Question 28

A full accounting of the prevalence of identity theft has been confounded by the lack of mandatory reporting and inconsistent application by federal agencies.

Question 29

Identity fraud is committed when a credible identity is created by accessing others' credit cards, financial or employment records, or computer system.

Question 30

Assumption of identity is the most common form of identity theft/fraud.

Question 31

Which of the following types of fraud is most likely to involve faked work permits and green cards?

A) insurance fraud
B) identity fraud
C) computer fraud
D) immigration fraud

Question 32

An individual who has been a victim of reverse criminal record identity theft does not face legal obstacles to his or her identity rehabilitation.

Question 33

Costs associated with identity theft/fraud are incurred by the individual victim but not the financial institution or lender extending money or credit based on fraudulent identity.

Question 34

To safeguard belongings and identity from dedicated criminals, it is important to develop alternate means of identity authentication.

Question 35

Bag operations involve sifting through commercial or residential trash or waste for information deemed valuable.

Question 36

Today an identity thief is often remote from the victim.How does this pose a special problem to law enforcement?

A) Victims often don't care if a person is using their identity in a distant state.
B) Jurisdictional questions often confound local authorities.
C) The federal government can't prosecute identity thieves who work exclusively online.
D) Only a few states have passed laws forbidding Internet-facilitated identity theft and fraud.

Question 37

Consumers are encouraged to use different ATM machines for every transaction in order to reduce fraud caused by ATM manipulation.

Question 38

Theft for border entry involves the willful misrepresentation of material fact on a petition or application to secure an immigration benefit.

Question 39

Hardware keyloggers provide screen-capture features, which users can utilize to view screenshot images of victim activity.

Question 40

Procurement of one foundational document of identification is often enough for its holder to secure a variety of others.

Question 41

________ involves the reading and recording of personal information encoded on the magnetic strip of an ATM or credit card.

Question 42

How can identity theft be distinguished from identity fraud? Is it true that identity theft leads to identity fraud? Explain with an example of your own.

Question 43

________ identity theft/fraud may be defined as the use of stolen personal and financial information to facilitate the creation of fraudulent accounts.

Question 44

Passports, birth certificates, and social security cards are all examples of ________ documents.

Question 45

In the technique known as ________, thieves often score credit card numbers and banking information by targeting those whose red flag signals outgoing mail.

Question 46

Exact government figures and statistics on identity theft/fraud are not available due primarily to a lack of ________ and the criminal multiplicity of the phenomenon.

Question 47

________ and other forms of malware are often referred to as PUPS (potentially unwanted programs).

Question 48

________ is defined as the use of a vast array of illegal activities based on fraudulent use of identifying information of a real or fictitious person.

Question 49

________ provide a mechanism for cybercriminals to change Web site IP addresses repeatedly without affecting the domain name.

Question 50

________ identity theft/fraud occurs when a criminal uses a victim's identity not to engage in criminal activity but to seek gainful employment.

Question 51

________ is defined as the illegal use or transfer of a third party's personal identification information with unlawful intent.

Question 52

________ may be conducted by either individuals or criminal organizations to secure border crossings, obtain immigration benefits, or further terrorist activity.

Question 53

Many authorities suggest that corporate and government ________ pose the greatest risk to identity fraud with varying motivations and unintentional facilitation.

Question 54

________ is a broad class of software that is surreptitiously installed on a user's machine to intercept the interaction between users and their computers.

Question 55

How do college students become victims of insurance and loan fraud? Offer suggestions on how students can minimize or overcome this victimization.

Question 56

________ involves the fraudulent use of stolen or fictitious personal information to obtain employment or to gain entry into the United States.

Question 57

In ________, some individuals willingly divulge personal and financial information to strangers if they believe that a large financial windfall will soon follow.

Question 58

List and explain the four phases of criminal activity facilitated by identity theft/fraud.

Question 59

Discuss the various crimes that are easily facilitated by identity theft/fraud.What, in your opinion, should be the measures taken by the government to eradicate such crimes?

Question 60

Assess the virtual or Internet-facilitated methods by which computer criminals steal an identity.Elaborate with examples of your own.