Full-Service Restoration

In a market overflowing with solutions that focus on credit and promote self-help, Kroll Fraud Solutions’ Licensed Investigators simply do more.  That depth differentiates us and the organizations that offer our help when it’s needed.

Our investigators have thousands of hours of experience – more than any other company in the industry – helping people to determine the extent of their exposure to risk, and to restore their identities to pre-theft status as quickly and efficiently as possible.

Kroll investigators will do the bulk of the work for the fraud victim.
Not as a 'counselor' … not alongside … not in conjunction with …
but on that person’s behalf.

It’s Not Just About Credit

Identity fraud is not limited to credit-related schemes – Kroll knows and acts on that fact. When helping an identity theft victim, the Fraud Solutions investigator also searches for outlying activity in areas the consumer may not be aware of or able to reach. Restoration-level investigation further examines both credit and non-credit components, and may extend to the search of:

• Criminal data at federal and state levels;
• State Department of Motor Vehicles (DMV) records;
• Public records, where liens or bankruptcies could surface;
• Social Security tracking, for fraudulent address or status entries;
• Online research sites known mainly to the investigative community;
• Banking and postal records;
• Certain ‘watch lists’ familiar to the security industry; and
• Other sources of fraud indicators.

Kroll Stands by the Identity Theft Victim

The time Kroll devotes to comprehensive restoration is highly dependent on the type and scope of fraud that has become attached to the victim.  Consistent and persistent follow-up is a Fraud Solutions core competency – sending one letter, or making one phone call may not get the job done.

If disputes are not resolved according to the victim’s rights, Fraud Solutions will escalate disputes to the appropriate government/regulatory agencies, including:

• Federal Trade Commission
• State Attorney General office by state
• Association of Collection Professionals International
• Comptroller of the Currency
• Federal Reserve Bank
• Office of Thrift Supervision
• Office of the Inspector General

Once a restoration case is opened, the licensed investigator assigned to the victim remains constant; the investigator will work with the client until restoration is complete to the degree possible, or until the consumer verifies that the issue is resolved.

Your Organization Stays in Control

Some fraud victims may believe their problems stemmed from your breach – but that isn’t always the case. We will apply our full resources to help determine the starting point – then based on the Investigator’s root cause analysis and report of the victim’s situation, you make the ultimate decision whether to provide restoration on your organization’s behalf. You must authorize the opening of a case in order for restoration to begin for a victim. This checkpoint helps ensure your expectations of – and anticipated costs for – restoration are maintained.