Identity number

blunomore

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Jul 8, 2007
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#1
Is it in any way dangerous to let you identity number fall into the 'wrong hands'? What could people do / find out with your ID number, if anything ...
 

hashbrown99

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Jun 10, 2006
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#2
Open accounts in your name which they don't pay, completely ruining your credit history in the process?

Potentially access bank accounts

Access all your personal info like bank accounts, car registration, where you live...
 
Last edited:

blunomore

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#3
Open accounts in your name which they don't pay, completely ruining your credit history in the process?

Potentially access bank accounts
To open an account they need proof of my address, such as my utility bills as well, so there is more than just ID theft involved - need theft of utility bill too, right?
 

hashbrown99

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#4
To open an account they need proof of my address, such as my utility bills as well, so there is more than just ID theft involved - need theft of utility bill too, right?
If they were smart enough to get your ID number a utility bill shouldn't be too much of a challenge - not difficult to steal post.:eek:

Also these guys tend to have people 'on the inside' who assist them to open accounts etc

Have you lost/ compromised your ID number?
 

blunomore

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#5
If they were smart enough to get your ID number a utility bill shouldn't be too much of a challenge - not difficult to steal post.:eek:

Also these guys tend to have people 'on the inside' who assist them to open accounts etc

Have you lost/ compromised your ID number?
ID Book stolen.
 

kingmonty

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Jul 15, 2005
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#7
Open accounts in your name which they don't pay, completely ruining your credit history in the process?
This is one of the more common problems involving identity theft
Potentially access bank accounts
No. They will need far more than an ID number to access your bank account.
Access all your personal info like bank accounts, car registration, where you live...
Only if they have access to secure information systems.

I worked (many moons ago) for an identity verification company, where we specialised in uncovering fraud involving identity theft amongst other things. Here are a few things to bear in mind regarding ID Numbers.

1. My ID number can give anyone access to my bank accounts.
No. This is not true. Unless it's a bank employee or someone with direct access to the secure banking network and infrastructure, there is no way you can access anyone's banking accounts using an ID number only.

2. My ID number is used to open "fake" bank accounts
The FICA was introduced to combat this problem, and today you need to verify various types of information when opening a bank account. The banks store all FICA information and verify this information as far as possible. Opening a bank account is not as straightforward as it once was, and now address information coupled with work information that is verified makes it more difficult to do this. That been said, this type of fraud is still common.

3. My ID Number is used to buy things on credit
Similar to point 2 above, this is a common use of stolen identities. The FICA was also introduced to help combat fraud in this department, however some retailers do not verify the information handed them during credit applications. The NCA is also geared to combat fraud in this regard, requiring borrowers to verify information and confirm that clients can afford credit in terms of their FAIS and Registerered Credit Provider license requirements.

4. My ID Number is used to enter into fake marriages and naturalise illegal immigrants.This problem was only discovered a few years ago. It only affected women, although there were some reports that some men were illegally married in this identity scam as well. The department of home affairs made a number of interfaces available for women to verify their marital status, and to remedy situations where they may have been illegally married without their knowledge.

5. My ID Number is used as a basis to generate new ID numbersThis is actually a genuine problem, as the ID Number validity is tested according to a mathematical equation that uses sequential parts of the id number to verify the control digit at the end. Often new identities are created by basing them on existing identities. However, there is limited risk to the person whose ID number is being used as the new identity becomes a "valid" independent identity when it is processed (in an illegal way) through Home Affairs.

By far the biggest use of identity fraud featuring ID Number only in South Africa is where unsavoury individuals use stolen identities to gain access to secure areas, defraud people at pension payout points, and manufacture cheque books with the stolen ID number printed on the fake cheques to match the ID book - often also manufactured. Several incidents involving thieves using stolen IDs to steal vehicles when taking them for a "test drive" was an everyday occurrence.

By far the biggest type of fraud in South Africa is actually credit card, bank card and cheque fraud. People tend to protect their ID books better than they protect their credit cards or cheque books.

One more thing, Identity Numbers are kept and stored by most companies that you deal with. Getting access to valid ID numbers is quite straightforward, and it's not difficult to buy a complete database containing ID numbers, Names, Surnames, Addresses, Shareholdings, etc directly from CIPRO (DTI). So while there is some danger regarding ID numbers, it's not as critical as some are led to believe.
 

blunomore

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Messages
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#8
This is one of the more common problems involving identity theftNo. They will need far more than an ID number to access your bank account.Only if they have access to secure information systems.

I worked (many moons ago) for an identity verification company, where we specialised in uncovering fraud involving identity theft amongst other things. Here are a few things to bear in mind regarding ID Numbers.

1. My ID number can give anyone access to my bank accounts.
No. This is not true. Unless it's a bank employee or someone with direct access to the secure banking network and infrastructure, there is no way you can access anyone's banking accounts using an ID number only.

2. My ID number is used to open "fake" bank accounts
The FICA was introduced to combat this problem, and today you need to verify various types of information when opening a bank account. The banks store all FICA information and verify this information as far as possible. Opening a bank account is not as straightforward as it once was, and now address information coupled with work information that is verified makes it more difficult to do this. That been said, this type of fraud is still common.

3. My ID Number is used to buy things on credit
Similar to point 2 above, this is a common use of stolen identities. The FICA was also introduced to help combat fraud in this department, however some retailers do not verify the information handed them during credit applications. The NCA is also geared to combat fraud in this regard, requiring borrowers to verify information and confirm that clients can afford credit in terms of their FAIS and Registerered Credit Provider license requirements.

4. My ID Number is used to enter into fake marriages and naturalise illegal immigrants.This problem was only discovered a few years ago. It only affected women, although there were some reports that some men were illegally married in this identity scam as well. The department of home affairs made a number of interfaces available for women to verify their marital status, and to remedy situations where they may have been illegally married without their knowledge.

5. My ID Number is used as a basis to generate new ID numbersThis is actually a genuine problem, as the ID Number validity is tested according to a mathematical equation that uses sequential parts of the id number to verify the control digit at the end. Often new identities are created by basing them on existing identities. However, there is limited risk to the person whose ID number is being used as the new identity becomes a "valid" independent identity when it is processed (in an illegal way) through Home Affairs.

By far the biggest use of identity fraud featuring ID Number only in South Africa is where unsavoury individuals use stolen identities to gain access to secure areas, defraud people at pension payout points, and manufacture cheque books with the stolen ID number printed on the fake cheques to match the ID book - often also manufactured. Several incidents involving thieves using stolen IDs to steal vehicles when taking them for a "test drive" was an everyday occurrence.

By far the biggest type of fraud in South Africa is actually credit card, bank card and cheque fraud. People tend to protect their ID books better than they protect their credit cards or cheque books.

One more thing, Identity Numbers are kept and stored by most companies that you deal with. Getting access to valid ID numbers is quite straightforward, and it's not difficult to buy a complete database containing ID numbers, Names, Surnames, Addresses, Shareholdings, etc directly from CIPRO (DTI). So while there is some danger regarding ID numbers, it's not as critical as some are led to believe.
Thanks for the detailed info!

I check my marital status on the Home Affairs web site every now and again just in case I am married now !
 

gregmcc

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#11
Identity theft - you could literally take over someone's life with their ID number.
 

kingmonty

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#12
Identity theft - you could literally take over someone's life with their ID number.
Actually, complete Identity Theft for the sake of assuming someone else's entire life is not that common in this country. There really are only a few known cases, almost all of them to defraud Insurance companies. There are many many more such cases documented in the United States.
 

gregmcc

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Jun 29, 2006
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21,257
#13
True - there are a few known cases. But I think there are many more unknown cases. In America you can do just about anything with someone's social security number.
 
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