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MH1 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 01:09 PM
Original message
ID Theft and illegal employers
Edited on Fri Mar-31-06 01:23 PM by MH1
I just saw this today even though the original article was posted Monday. I am really surprised that I couldn't find any current threads on this topic. These articles describe the consequences of the identity theft perpetrated by people using someone else's social security number to get a job - and the numbers are pretty scary.

And here's the thing - under the current laws and behaviors of federal agencies, if it happens to you, you will never know until you are well and thoroughly screwed.

http://redtape.msnbc.com/2006/03/hidden_cost_of_.html#posts

Hidden cost of illegal immigration: ID theft

Posted: Friday, March 31 at 06:00 am CT by Bob Sullivan

In the noisy immigration debate raging in Washington, there is one voice NOT being heard.

The voice of identity theft victims. 

Behind many of the nation’s millions of undocumented workers are someone else's documents. To get a job, illegal immigrants need a Social Security number, and they often borrow one.  As victim Melody Millet is fond of saying, U.S. citizens are being forced to share their identities with undocumented immigrants to give corporate America a steady supply of cheap labor.

Thousands, perhaps hundreds of thousands of Americans are right now sharing their identities with immigrants and don't know it. It is the dirty little secret of the immigration issue: By not dealing directly with the undocumented worker situation, the U.S government is actually encouraging identity theft.  In fact, one can argue that the origins of the identity theft epidemic can be traced to the immigration issue.

The scope of this problem is vast.  Every year, nearly 9 million people pay their taxes using the wrong Social Security number. The name used on W-2 tax forms used by employers doesn't match the name on file with the Social Security Administration.  There can be many reasons why -- a data entry typo by a human resources department, a woman changes her name after marriage and forgets to report it, or a man uses someone else's SSN to get a job. 




http://www.msnbc.msn.com/id/6814673/

The secret list of ID theft victims
Consumers could be warned, but U.S government isn't talking

(snip)

But could Trevino, and all the other victims, be warned by the government? After all, several agencies and corporations found her when they wanted her money. Until then, not a single one had bothered to warn her that someone else was using her Social Security number.

Melody Millet's husband Steve was the victim of immigrant identity theft. None of the agencies involved are trying to tackle the problem because they all benefit from it, as does corporate America, she said. The IRS and Social Security collect extra taxes, lenders sell more loans and employers get inexpensive workers. Fixing the problem and telling all the victimized consumers would upset the delicate apple cart that is America's immigration policy, she said.

"The government is forcing people to share identities because they want to provide cheap labor to corporate America," Melody Millet said.

(snip)

Credit reports don't help
How can a consumer unravel the secret life of their Social Security number? In fact, since neither the government nor private industry is speaking out, there is no way. Asking the Social Security Administration or IRS won't help.

(snip)

In fact, consumer credit reports obtained from the credit bureaus expressly leave off this kind of fraud. If an imposter is using a consumer's Social Security number but his own name and address to open up fraudulent accounts, a consumer-disclosed credit report won't include that information. The rightful number holder will never know.



This is a pretty scary situation, folks. You do NOT want your credit ruined by identity theft. And what ticks me off is it tells me the tools have been there to go after these illegal employers for a long time - there just hasn't been any will.

Please contact your Senators and Representatives to pressure them to address this issue in whatever immigration bill they end up passing - and they'd better not remove it in conference committee.

~~~

Edited to correct the title from "illegal immigration" to "illegal employers".
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GrumpyGreg Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 01:13 PM
Response to Original message
1. They are using the SS #'s of children too. It wouldn't be discovered
for years.
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MH1 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 01:22 PM
Response to Reply #1
2. Exactly.
How come more people aren't going nuts about this here at DU?

:shrug:
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FSogol Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 01:30 PM
Response to Reply #2
3. Why? Anyone who wants to pay money into my Social Security account
is more than welcome to do so.
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GrumpyGreg Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 01:39 PM
Response to Reply #3
4. They also could get a nice loan with your number.
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kurth Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 01:50 PM
Response to Reply #3
5. Not necessarily
The article states: "(When) the name used on W-2 tax forms used by employers doesn't match the name on file, the Social Security Administration collects the money, but the wage credits go into limbo. They don't end up on anyone's annual Social Security statement, they end up in something called the Earnings Suspense File. Since 1984, when the Social Security card employment verification requirement kicked in, nearly $500 billion in wages has ended up in that file. Who are all these people paying their taxes using the wrong SSN? There are clear indications that many -- if not most -- of the 9 million mismatches are immigrants using the wrong SSN."
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MH1 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 02:17 PM
Response to Reply #3
6. It isn't going into your account.
Meanwhile you could get rejected for a job and have your credit ruined.

And the poor sucker using your id is basically working as a slave for his or her employer, with no way to complain of unsafe working conditions, for example.
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Capn Sunshine Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 02:27 PM
Response to Original message
7. Theres innaccurate information in there
A consumer credit report reports ALL credit lines opened by anyone using the social security number listed. It's name specific but has a number specific function as well.

As a banker, I see all kinds of erroneous info in these reports, and the alien fraud aspect is minisule compared to the Outright theft frauds being perpetrated by the Russian Mafia and Middle Eastern groups of con artists.

Lots of hysteria around undocumented workers lately.
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MH1 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 02:50 PM
Response to Reply #7
8. The article mentions that what is available to certain businesses
is not available in the credit report given to the person who is actually applying for credit.

Do you have a link with more details for your assertion about what the banker gets to see?

Even if it's relatively "miniscule", I expect the government to a) enforce the law when they have evidence of fraudulent use of someone's social security number; b) make sure that the law provides avenues for consumers to be fully informed.

I'm gathering that you don't much like enforcing the laws against the illegal employers that are exploiting vulnerable workers in a race to the bottom, not just for wages but also for expenditure on basic workplace safety. 19th century, here we come. :eyes:

Are you really a banker? What kind of bank? (just curious)
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Capn Sunshine Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Mar-31-06 03:02 PM
Response to Reply #8
9. Let me expand
The "free credit report" feature is NOT what I'm talking about. Credit reports available to the banking industry are comprehensive and detail ALL activity tied to Names , akas and social security.

This is the same info that collection agencies access. You need to be licensed and sanctioned to do it. I can't give you a link. There's no link for me telling you stuff. I really am a banker, I do hedge related activities for a private bank that specializes in Asset based commercial lending, CMOs, and derivatives.


And my problem is with xenophobic hysteria surrounding commerce and activities that occurred in this area long before the Americans got here. Except it was the Americans who "criminalized' it.

I think the whole immigrant issue is way overblown. The facts are that undocumented workers contribute billions to the economy, much more than they take out. They would be here working no matter what, but it would be nice to get them into the system for such purposes as providing healthcare and insurance, don't you agree?
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