Taken in Handcuffs// Experian Scheme Like lenders, Experian sees fraud from within its own organization as well as from outside. When the credit agency discovers that an employee has tampered with data in a file, according to McComas, it calls in the police, who march the worker out of the office in handcuffs in front of everyone else so all can see the consequences of such an illegal act. (snipped) The firm also is seeing a higher incidence of cleverness on the part of con artists. In one of the more recent schemes Experian has discovered, crooks are calling in "bad trade lines" on fictitious customers. That is, they are reporting that a non-existent client as not paid his bills on time as promised. Next, the crooks report that the imaginary client has cleared up his problems and brought his account up to the "as agreed" status. And shortly thereafter, they apply for a mortgage or other line of credit under the fictional client's name. "We've seen an extensive amount of (such) activity over the last 12 months," said McComas. This kind of skullduggery is usually difficult to undercover. But thieves tend to trip themselves up by becoming impatient and reporting that the mythical client has cleaned up his act too quickly, the Experian executive reported. "When a new trade lines is reported as a bad one month and as an 'as agreed' the next month," he said, "that's usually a red flag that something's amiss." from : http://realtytimes.com/rtnews/rtcpages/20020403_fraud.htm
Ummm...could these guys be any more STUPID? Any employee escorted out in handcuffs could come back and sue for defamation if the charges proved false.
I can easily see Experian implenting a strict policy of humiliating an employee and handcuffing them in front of the other sheep they employ to witness. Seems like the EVIL EXP's version of a public flogging. Sicko's, it probably frightens the heck out the other employees into complete and utter submission. I wander if I can get the corportate officers handcuffed too for hiding files and lying about verifying information??? Now that would be something to watch!
Re: Taken in Handcuffs// Experian Scheme If they can treat their own so badly, no wonder they don't think twice about mistreating others. Doc
Re: Taken in Handcuffs// Experian Scheme No one is being "mistreated." It's not like Experian is leading the employee out of the office in handcuffs. It's the police. And yes, credit fraud is often a felony, which necessitates being handcuffed per the policies in the vast majority of police jursidictions in this country. First you guys complain that the credit reporting agencies are a bunch of thieves and then you complain that they are not treating their employees fair when they try to commit fraud, possibly jeapordizing your personal information and/or increasing your fees. Buckets
Re: Taken in Handcuffs// Experian Scheme Actually, Buckets, I was the "you guys" to which you refer. Let me clarify: I wasn't talking about the employee who was being mistreated. I was talking about the poor policeman, forced by the indefensible wiles of that horrible accused employee, who had to endure the embarassment of cuffing another human being and leading them asunder! Hence, my statement: If they (i.e., an employee who dares to break the law) can treat their own (i.e., another person charged with protecting the public trust such as the policeman) so badly, no wonder they (i.e., the sorry employee) don't think twice about mistreating others (i.e., the consumer fraud victim). That's my story, and I'm sticking to it. ;-) Doc
Re: Taken in Handcuffs// Experian Scheme OK Buckets, it is not the EVIL EXP escorting the alleged, fraudulent, and handcuffed employee to be banished out the Empire. But who do you think called the police? The alleged fraudulent employee? Was it you??? EXP could use a little more grace and arrange to have the alleged wayward employee arrested after or before business hours, where very few employees would see. They could also arrange to have him arrested at some other place other than the employees place of business. But that would defeat the EVIL EXP's attempt to truly humiliate the employee and loses its effectivenss as a nasty little scare tactic for those remaining employees considering going astray.
Re: Taken in Handcuffs// Experian Scheme Police allways cuff folks as matter of policy.. Cops don't arrest by appointment, but yes it could be done more gracefully.. In the IT biz when you get fired / laid off in many places you get escorted out by security ASAP. Like 9.00 am come into to my office 9.02 empty out your desk and when you get there a couple of security folks are waiting to escort you to the door .. Never seen cuffs tho..
Re: Taken in Handcuffs// Experian Scheme They MUST apprehend the perp and handcuff them immediately!!! These rogue employees are dangerous threats to society. I'm impressed by the extraordinary measures they go through to insure their reports continue to be perfectly accurate and free from the slightest error. LOL
Re: Taken in Handcuffs// Experian Scheme Perhaps the EVIL EXP has them handcuffed because the alleged fraudulent employee refused to continue to verify accounts that were no longer verifiable??? Do they do a strip search on the alleged fraudulent employee in the building for maximum humiliation effect?
Re: Taken in Handcuffs// Experian Scheme I've seen it in my business too. laid off at noon, escorted to your desk, watched as you empty your desk, escorted off the premises sans access badges by noon-thirty. gives you no time to pull any dirty tricks before you leave (like taking down an OC196) it's called 'walking' an employee, and I hope it never happens to me...
Re: Taken in Handcuffs// Experian Scheme Snip Do they do a strip search on the alleged fraudulent employee in the building for maximum humiliation effect? to background noise of rubber gloves getting snapped on . I can just see mr wannanbe cop security dude saying // OK drop em and spread we want to get back all them tradelines, all them creditnet folks told you to stuff in your a$$ LOL
Re: Taken in Handcuffs// Experian Scheme Gee, perhaps the person who broke the law should have considered the possibility that they could be handcuffed in front of fellow employees and friends before they did something illegal. And why should a person's supervisor and/or the human resources department go out of their way to benefit the perceived needs of a person who purportedly comitted a felony? I understand the concept of "innocent until proven guilty," but the police wouldn't handcuff someone unless they had evidence that the person committed a crime. Buckets
Re: Taken in Handcuffs// Experian Scheme snip I've seen it in my business too. laid off at noon, escorted to your desk, watched as you empty your desk, escorted off the premises sans access badges by noon-thirty. gives you no time to pull any dirty tricks before you leave (like taking down an OC196) it's called 'walking' an employee, and I hope it never happens to me... You mean a OC192 me thinks thats easy just some opaqe nail varnish on the end of them little glass fibre cable thingies LOL Slow it down like hell but only a guru with a TDR will figure it out LOL Or a one of my victims Happened to me once as a contractor as I had had scene with big shot the day before because IBM did not like the idea of me training the other contractors. " As team leader you are training the folks to well and some may leave and get better paying jobs" and "I said but if I don't train them how can they do their job well" they said "it's not your problem " So I told the manager I need to log off and empty out some personal email and shut down the ACD app correctly etc.. So as I did that I engaged a script that just created huge files in bunch of public folders.. And as the script was being pushed from remote office it would have taken them a while to figure out what was going on. And it was heart beating the server so when they shut down the server the remote script shut down also . Start up the server and the script would run HEH such is a good example why you don't run bridged networks Never get mad get even
Re: Taken in Handcuffs// Experian Scheme Oz, honestly, how many people who read this board know what a TDR, et. al. is? And no, you don't get even. It's childish and infantile. Getting laid off is part of life in America today. And your examples of "get even" scams are perfectly good reasons why companies "walk" their employees out of the office immediately after termination. Thanks for the example(s). Buckets
The fraud part OK.... ignore the handcuff employee issue. I don't understand the con part of the article. How exactly does reporting a fake delinquent trade line benefit a con man? Can I speculate? The con man selects an id-theft target. In order to maximize the amount of money they can steal, they need to make the victim's credit report look great. So, in order to improve the chances of getting a loan, they report a tradeline that is delinquent. This goes on the report right away. A month later the negative TL goes positive. The negative history is gone, and the victim now has a positive trade line on their report. The con man then uses the new and improved report to get credit or a mortage. So this opens up a lot of questions. (1) How is the con-man able to report the TL to the CRA? They must have a business relationship with the CRA in order to become an information provider. This relationship obligates the provider to follow the FCRA. Obiously the con man also creates a fake id for reporting purposes. (2) I suspect that the CRA's will accept info from anyone. They assume it is all true unless proven otherwise and forced in a lawsuit to follow the FCRA law. Sounds like a perfect slander case to me. (3) Does the info provider also report fake dates on the TL? For example, if the TL is positive 30 days later, is that and old enough item to count towards a better score? Or do the CRA's allow a provider to make a TL retroactive? Thanks!
Re: The fraud part Every time I start a thread that "runs the gauntlet" and gets soo many responses my (poor lillte 'ol) heart swells with pride. Nestea
Re: Taken in Handcuffs// Experian Scheme Oz, honestly, how many people who read this board know what a TDR, et. al. is? I was replying the person who quoted the OC196 (192) Oh the nail varnish was an april fools joke in a test enviromnent. So don't get your pixels in a twist. And no, you don't get even. It's childish and infantile. yeah maybe so but were are all children in our own way .. and it;'s even more childish for a corp like IBM Idiots Become Managers to fire people becaue they were doing the !@##$%^ job the RIGHT way and not the way they would slow down the careers of many. Oh I had by FAR the best stats for my help desk 20% better than anyone else so my way infantile and childish way worked. Getting laid off is part of life in America today. More crap it's not a part of life only if you accept it. I take my work very seriously and when folks lives get changed over night because of this "new way of life" accepting will change NOTHING And your examples of "get even" scams are perfectly good reasons why companies "walk" their employees out of the office immediately after termination. No this is done to just threaten others. I had to fire someone and I did it in private and very discreetly. It's bad enough you have ruin someone's job, yet rub their nose in crap also .. This person was fired simply because he just could not do the job. NOT because he had broken any rules, or was stealing data etc .. I even suggested to the person he tell everyone he got a new job and has to start ASAP.I also sent an email out to that effect as some of the folks were part timers And I got reamed out because I never followed the procedure that I was never informed of. When I got walked off And this was the first and only time this had ever happened to me.. And I have worked in many high profile places, banks Mayors huge finance corps etc Thanks for the example(s). Your welcome
Re: Taken in Handcuffs// Experian Scheme Dude, I know what you mean, LOL. When us network engineers were laid off, I know of a few who took down several NASDAQ OC-48's before being escorted out by security. LOL. Somebody's trade did not execute that day.LOL! don't mess with Telco Peoples. Evil Experian is nothing more than a bunch of slime balls who will lie, cheat and steal to make a buck. They are in my sights and my finger is on the trigger, they are going down. Hopefully way down to the depths of hell, but Satan won't have it because they are more evil than he is... Just my opinion.
