Experian 2014 Annual Report Download - page 81
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Governance • Corporate governance report
It contained your ID, your credit cards, everything. You
immediately call your bank. To check your identity, they
ask you some questions that only you can answer. Then
the bank cancels your credit cards and orders new ones
for you. All sorted.
A couple of weeks later, your favourite department
store calls to ask if you’ve moved house. You haven’t –
what’s going on? It turns out that you’d forgotten your
department store credit card was in your wallet. Someone
has tried to use it to buy a designer handbag through the
store’s website, using a mobile phone in another country.
If the store hadn’t spotted it, you would have had a very
large bill. They cancel your card and order you a new one.
You wonder what else could happen. The information
in your wallet included your full name, date of birth
and postal address. You decide to call your local
consumer credit bureau and explain what’s happened.
They suggest that you put a flag on your credit report,
so that if someone tries to obtain credit under your
name, extra checks can be run to make sure it’s a
genuine application. Peace of mind.
You had a great evening out with
your friends. The following morning,
you discover your wallet is missing…
Fraud and identity management
How Experian helps
Our data and analytics help to
authenticate your identity when you
interact with providers and buy online,
so only you can access and use your
accounts, or sign up for a new one.
Our identity protection services, such
as ProtectMyID, help provide you with
identity theft detection and protection
features and, should the worst
happen, dedicated identity fraud
resolution experts.
Governance • How Experian helps: Fraud and identity management 77