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Scammers target your cell phone records

You wouldn't think that anyone could know that you left a couple of nasty messages for your ex, called the bank to talk about a home equity loan and booked tickets through your travel agent to Tahiti on your cell phone last week. But you'd be wrong.

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Information brokers, through a constantly changing network of Web sites, are selling cell phone records for as little as $110 to any interested party, according to the Privacy Rights Clearinghouse, a California-based consumer privacy rights group.

"If you are in a certain life situation where illegitimate access to your cell records could cause problems, like a nasty divorce or custody case or a business lawsuit, or you're the victim of a stalker, you're vulnerable," says Beth Givens, director of the Privacy Rights Clearinghouse. "Your adversary could obtain your cell phone records through a broker and use them against you."

The good news is that cell phone companies, regulators and consumers are sitting up and taking notice. On Wednesday, Feb. 1, the House Committee on Energy and Commerce held a hearing at which the chairman of the Federal Trade Commission vowed to crack down on this practice.

How it happens
There are a few ways companies or brokers in this business operate. The most common is through pretexting, when someone calls your cell phone company pretending to be you and asks that your records be faxed or e-mailed to a certain fax number or e-mail address.

Another fairly common scenario occurs when a company or broker gets Web access to your cell phone records by creating an account in your name and using it to check your records, according to the Electronic Privacy Information Center, a consumer privacy rights group in Washington, D.C. If you haven't ever accessed your cell phone account online, you're more likely to be a victim of this type of crime.

The third method that data brokers use is to pay an employee of a wireless phone company to access and transfer the data.

What you can do
Even if you don't think you're vulnerable to having your cell phone records bought and sold, it is better to be safe than sorry. Here's what you can do:

  • Password-protect your cell phone account. This doesn't just mean logging on to your online account with your cell phone provider and picking a password that isn't your nickname, your birthday, your phone number, your mother's maiden name, your Social Security number or your kid's birthday. This means picking up the phone and calling your cell phone company and telling them to only allow access to your account to individuals who can come up with the right password and that if you forget it, you'll go to their nearest store and show your ID to get a new password.
  • Opt out of CNPI, or customer proprietary network information, sharing. "Cell phone companies use your phone records for marketing purposes, not only to sell you new services but also to sell your information to outside companies that want to market to you," says Chris Jay Hoofnagle, director and senior counsel of the Electronic Privacy Information's West Coast Office. "They hate it when you opt out and make it as difficult as possible to do so. In fact, you have to call the wireless company and insist on it, and then sometimes the customer services rep will say they don't know what you're talking about."

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