Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves

298 Pages·2015·1.38 MB·English

by  Adam Levin

SWIPED
SWIPED
How to Protect Yourself in a World
Full of Scammers, Phishers, and
Identity Thieves
ADAM LEVIN
with Beau Friedlander
Copyright © 2015 by Adam Levin.
Published in the United States by PublicAffairs™, a Member of the Perseus Books Group All rights
reserved.
Printed in the United States of America.
No part of this book may be reproduced in any manner whatsoever without written permission except in the
case of brief quotations embodied in critical articles and reviews. For information, address PublicAffairs,
250 West 57th Street, 15th Floor, New York, NY 10107.
PublicAffairs books are available at special discounts for bulk purchases in the U.S. by corporations,
institutions, and other organizations. For more information, please contact the Special Markets Department
at the Perseus Books Group, 2300 Chestnut Street, Suite 200, Philadelphia, PA 19103, call [phone],
ext. 5000, or e-mail [email protected].
Book design by Milenda Nan Ok Lee Library of Congress Control Number: 2015912904
ISBN 978-1-61039-587-8 (HC) ISBN 978-1-61039-588-5 (EB) First Edition
10 9 8 7 6 5 4 3 2 1
To Heather and Jayger Wilde
Contents
PART 1 An Overview of the Problem
1 What’s in a Name (and a Number)?
2 A Short History of Identity (and Fraud): (And You Thought It Was Just
About Credit Cards)
3 Swiping Happens
PART 2 The Basics of What You Can Do
4 Understanding the Problem Is the Solution
5 The Three Ms
PART 3 The Many Types of Identity Theft
6 Spies in Your Home: How the Internet of Things May Violate Your
Privacy, Threaten Your Security, and Ruin Your Credit
7 A Taxing Situation
8 It’s a Hard-Knock Life: Child Identity Theft
9 May the Farce Be with You: Social Media Dos and Don’ts
10 From Dangerous to Deadly: On Healthcare Scams and Medical Identity
Theft
11 Wanted Dead or Alive: (But It’s Easier If You’re Dead)
12 Culture Eats Strategy: Business Considerations
13 The Three Ms for Companies: You Must Build It Because They Will Come
14 The Highest Law
PART 4 Resources and Terms
APPENDIX 1 Fraud Stories
APPENDIX 2 A Glossary of Scams
APPENDIX 3 Identity Theft and the Deceased: Prevention and Victim Tips
APPENDIX 4 Request a Credit Report for the Deceased
APPENDIX 5 Deceased Affidavit of Fact
Acknowledgments
Index
PART 1
An Overview of the Problem
1
What’s in a Name (and a Number)?
“I was just doing it to tease her, basically.”
It was a harmless tweet. A girl named Brooklyn from Prosper, Texas, sent a
picture to her friend Alanna in reply to one of many tweets about a cute boy
Alanna had seen while shopping at a big-box store in nearby Frisco. Then
something fundamentally unknowable happened: the mysterious Internet
phenomenon of going viral.
Viruses reproduce by sending their DNA into a host cell, leaving the infected
host, now itself a virus, to find another host cell for further reproduction. On the
Internet, that process of cellular invasions and osmosis happens to users rather
than cells, and it happens very fast. The DNA can be anything—a hilarious
video or an unexpected quip harnessed to a snapshot. On November 2, 2014, the
DNA was Brooklyn Reiff’s week-old picture of a teenage boy named Alex Lee,
tweeted as a playful fillip to her friend’s obsession.
How did Brooklyn’s sneaky shot of Alex Lee invade an entire population,
replicating her friend Alanna Page’s crush in one user after another?
You might call it theft. In fact, there were a lot of little robberies—and they
added up. The first one happened when Brooklyn went beyond the act of stealing
a glimpse of the checkout boy, and snapped his picture. The young man in
question didn’t pose for the picture. He had no idea that a picture had been
taken. Certainly, no modeling release was signed. He was just there, doing his
job.
Lesson Number One: In the world of Big Data, with mobile, Internet-
connected cameras in every pocket, we are always just a few clicks away from
being everywhere. The young man whose picture went viral got a real-life taste
of that fact when his total lack of privacy became apparent; he became an
Internet sensation by doing nothing but bagging products at the checkout
counter.
More than 500 million photographs are uploaded to major websites every
day. More than 2 billion pictures are taken on mobile devices every day. Factor
in webcams and other surveillance devices, and the chances that your image isn’t
somewhere on the Internet are right up there with becoming the next Dalai
Lama.
Alex Lee experienced one of these countless daily intrusions that happen in
our social media–obsessed society. He won the jackpot in the “privacy is on life
support” sweepstakes. It didn’t matter that he was tending to his own business.
His existence created the potential for a transaction—one that required neither
his consent nor his participation. The snapping of his picture underscored a
simple reality: If you’re out in the world, the world can look at you. And if the
world has a smartphone, it can snap, store, share, and reshare you, all in just a
few taps, each one a little theft of your face, your identity, your self.
In this particular instance, someone grabbed Brooklyn’s snapshot from her
Twitter account and put it on another social networking site, Tumblr. Brooklyn
had no idea. Meanwhile, the picture started replicating on Twitter accounts.
While the complexity of the picture’s distribution was at least potentially
knowable, it was in no way controllable. The million “little thefts” that made
Alex Lee famous are metaphorical. No court of law would rule that Brooklyn’s
actions, or any of the actions of other people who retweeted her photo, rise to the
level of theft. But, well, you get the picture—as did millions of people around
the world.
Needless to say, Alex Lee had no idea any of this was happening. He hadn’t
done anything wrong or unusual. There were no regrettable posts, no
questionable sites visited, no malware behind it all. His phone wasn’t even
powered on when the month-long distribution of his image reached critical mass
the following Sunday sometime during the Cowboys-Packers game. It was right
after that game that Brooklyn first noticed something was afoot on Twitter. She
started getting mentioned in posts even though she didn’t have very many
followers. Her surreptitious shot of Alanna’s crush with the waterfall of Justin
Bieber hair was getting love from people she didn’t know. Among those taking a
shine to the checkout boy was a teenager in the UK who had liberated the picture
of Alex from a Tumblr user, who had pinched it from Brooklyn’s original reply
tweet to her friend Alanna. The British girl’s tweet was simple:
“YOOOOOOOOOO.”