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  1. #1
    Join Date
    Nov 2015
    Posts
    1

    Default Possible Identity Theft

    My question involves court procedures for the state of: PA

    Hi all,

    New to the forums and I'm not really sure if this is the correct forum, but here goes....

    I received an email today that indicated payment had been received on a Renter Insurance policy. The catch is that I don't own a policy from this particular insurance company. So, I wanted to see how payment was made to insure my accounts haven't been compromised. After calling Customer Service at this company, I learned that they have my name almost correct except for middle initial. Phone number on the account was mine and the last four of my SS# matched. The only other difference was the address.

    Once the customer service realized the oddities, she was hesitant to provide further information and instructed to call the local insurance agent listed on the email I received. Doing so didn't get me much further and they weren't very helpful. They instructed to notify the police as I may be a victim of identity theft. One thing I did learn was that the policy has been active for 6 years.

    The police filed a report and instructed to check my credit report. It does not appear that the payment came from any of my accounts. So there doesn't appear to be a crime.

    After some net searching we found an individual with mathing name living at the address initially indicated as the address of record on the policy.

    Sorry for dragging this out, but it seems to me that this other individual may have had easy access or may have even been provided my sensitive information, especially my SS#. At this point, I'm not even sure how to correct it with the insurance company as they are really unwilling to do anything at this point, probably to cover their own backside.

    My question, is there anything I can threaten or maybe even file a legal complaint against the insurance company? If so, what legal basis do I have?

    Thanks in advance for any legal advice anyone can give!!

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Possible Identity Theft

    It's possible that the only "crime" here is that somebody has a name that is similar to yours, with some proverbial wires getting crossed at the insurance company.

    You don't have any basis to make a claim against the insurance company for their issuing an insurance policy to somebody other than you, even if they have the same first and last name as you. Or, for that matter, even if the policy was opened by somebody claiming to be you. Even before noting that you suffered no harm, they did nothing wrong in issuing the policy.

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