6. VIITER REGISTRATION CARDS ARE ISSUED BY THE LOCAL BOARDS OF ELECTION,
AND ARE USED BY THEIR HOLDERS AS EVIDENCE OF AGE AND CITIZENSHI? FOR
LIMITED PURPOSES. OFTEN, THESE CARDS ARE USED FREQUENTLY TO SUPPORT
THEIR CLAIM OF U.S. RESIDENCY FOR RE-ENTRY TO THE U.S. FROM CANADA AND
MEXICO.

BUT THEY ARE OF NC USE WHEN APPLYING FOR A PASSPORT AND NOT USUALLY
ACCEPTED WHEN APPLYING FOR A DRIVERS, LICENSE. REGISTRATION FOR A
VOTER REGISTRATION CARD IS PERMITTED BY MATZ IN MANY JURISDICTIONS:
AND EVEN WHEN A PERSCHAL APPEARANCE IS REQUIRED, THE CHLY EVIDENCE OF
AĆE, CITIZENSHIP, RIYIDENCE AND IDEMITY OF THE CHE REGISTERING THAT
CAN BE DEMANDED BY THE LOCAL OFFICIALS IS A VERBA:. DECLARATICH GIVEN
UNCER PENALTY CE LAW AND PERSURY. THE CHECKS MADE FOR THIS DOCUMENT
ARE "N: CONCERNING THE LOCAL BOARDS CHECKING ANYTHING FOR VERIFÌCĂŢION.

CREDIT CAROS:

7. ALT!ICUGH CREDIT CARDS CONTAIN CERTAIN PRINTED AND EMBOSSED INFOR-
MATION WHICH WHEN CHECKED BY A MERCHANT OR RETAILER, HE MAY CONFIRM THE
VALIDITY OF THE CARD, BUT THE PRIMARY MEANS OF CARDHOLDER AUTHENTICATION
IS THE SIGNATURE ON THE CARD ITSELF. HORMALLY, NO OTHER I.D. IS
REGUIAFD TO CHARGE GOODS CP SERVICES AT A WIDE VARIETY OF RETAIL CUTLETS,
UNLESS A CUESTION ARISES AS TOTHE VALIDITY OF THE CARD OR THE HOLDER,
AS WILL BE DETERMINED BY HOW YOU PRESENT YOURSELF AND KNOWING THE
LIMITS OF THE CARD, YOU KNOW THIS BY THE PRE-CHECK YOU MADE WHEN YOU
FIRST RECEIVED THE CARD. BANK CARDS SUCH AS MASTER CARD AND BANK
AMERICARO CAN EVEN BE USED TO OBTAIN ACTUAL CASH. THE LIMITATIONS AND
THE USE OF THESE CARDS ARE UNBELIEVABLE.

WHE: OBTAINING CREDIT CARDS UNDER A LEGAL IDENTIFICATION SYSTEM, THERE
ARE NO LIMITS TO THE PURCHASE POWER YOU POSSESS. PERSONALLY KNOW
OF ONE INDIVIDUAL MIO OBTAINED OVER 1,000 CARDS USING 300 DIFFERENT
NAMES A:IG FALSE. IDENTITIES.

I WAS PINALLY CRUCHT BECAUSE OF ONE WORD "CREED” HE WENT LEVEND
THE LIMITS OF COMMON SENSE AND ACCOUNTABILITY AND THOUGHT HE WAS
THE ACTUAL CWNER OF THE CREDIT CARD COMPANIES. SO RESTRAINT 13
ADVISED, THOUSANDS OF DOLLARS ARE THERE FOR YOUR PLEASURE, BUT CHCE
THE LIMITS ARE REACHED, DESTROY THE CARD AND REUSE THE IDENTITY
PROCESS AND YOU WILL FIND THAT YOU WILL NEVER HAVE ANY PROBLE'S.

NOTE: AGAIN, USING A FORWARDING ADDRESS AGENCY, YOU SAFEGUARD THE PRIVACY CE YOUR OWN PERMANENT ADDRESS AND I.D. USE OF SEVERAL OF THESE FORWARDING AGENCIES FROM VARIOUS STATES IS NEEDED. COMMON SENSE PREVAILS ALWAYS.

REMINDER: THE STATE OF FLORIDA FILES ARE CLOSED TO THE GENERAL PUBLI
SC DO NOT TRY FOR A BIRTH CERTIFICATE UNLESS YOU FOLLOW THE USE OF
AN OFFICIAL LETTER FROM AN ATTORNEY OR BUSINESSMAN OR INVESTIGATING
AGENCY, BECAUSE IT WON'T WORK. THERE ARE A TOTAL CF (40) STATES THAT
RESTRICT ACCESS TO THEIR VITAL STATISTICS FILES. IT REALLY COES NOT
MATTER BECAUSE YOU CAN ALWAYS USE THE NEWSPAPER SYSTEM FOR THE DEATH
SECTION AND STILL GAIN THE PROFER CERTIFICATE. ALWAYS DOUBLE CHECK

EVERYTHING BEFORE YOU ATTEMPT TO GET THE NECESSARY DOCUMENTS TO
CSTAIN IDENTIFICATION.

REMEMBER:

:. 3:37 CO TO THE NEWSPADES OFFICE CA LIBRARY

3. APPLY FOR THE BIRTH CERTIFICATE (WAIT FOR ITS ARRIVAL IN THE MAIL)

4.

APPLY FOR THE SOCIAL SECURITY CARD (WAIT UNTIL IT ARRIVES THEN GET CRIVERS LICENSE)

7.

MAKE YOUR PAYMENTS ACCORDING TO THE BOCKLET (TRIPLE AAA RATING IN 30 DAYS)

8.

9.

RENT THE CFFICE AND INSTALL TWO (2) PHONES, 1-EMPLOYMENT, 1-CREDIT
RATING

MAKE APPLICATIONS FOR CREDIT CARDS USING BANKS AS REFERENCES AND
STORES PER PHONE

10. MAKE SURE YOU HAVE GOOD REFERENCES (THESE ARE NOT CHECKED)

11.

12.

13.

HAVE A HOME ADDRESS FOR THE LENDER WHERE YOU CAN GET YOUR MAIL
(NOT CHECKED)

WAIT FOR YOUR CREDIT CARDS TO ARRIVE

CHECK PURCHASE LIMITS ON EVERY CARD (FLCOR LIMITS AND MAXIMUM LOMC) 14. CHECK WITH BANK ON MASTER CARD LOANS -BANK AMERICARD LOANS

(THEY WILL TELL YOU)

เร.

APPLY FOR BANK CARDS AT SEVERAL BANKS IN YOUR NAME

16.

GO TO WORK AND KEEP PACE (TRACK) OF EVERY STORE THAT YOU GO TO
AND WHAT YOU SPEND, ESPECIALLY WHAT GARDS YOU USE · DO NOT PUSH
YOUR LUCK, BE CAREFUL AND SPEND TO THE LIMITS

AN ANALYTICAL STUDY OF THE NIGERIAN PROBLEM

IN

ATLANTA, GEORGIA

This report was written by Special Agents

and

Atlanta District Office of the Immigration and Naturalization Service.

BACKGROUND

of the

In April of 1989 a Nigerian Task Force (NTF) consisting of Special Agents of the Federal Bureau of Investigation, Secret Service, U.S. Postal Service and Immigracion and Naturalization was formed at Atlanta, Georgia. The purpose of Nas to pool the resources of all the Federal Agencias involved and come up with a method to costat white collar crimes being perpetrated upon the banking and insurance industries by Nigerian nationals.

This report attempts to show the correlation between the high white collar crime race in the Atlanta area and the Nigerian population. The report deals solely with Nigerian fraud in spite.of the fact that other West African nationals are "copying" the "art" of financial transaction fraud and insurance fraud from the Nigeriaus

DETAILS

The Nigerian problem is пос restricted to Atlanta. In fact, many large metropolitan areas throughout the continental U.S. are also experiencing problems associated with Nigerians and white collar crime. For example, in 1986, the New York League of Savings Institutions discovered that there was an organized fraud ring in the New York area. This ring later became known as the "Nigerian Crime Network" (NCN). The NCN is a very well organized and clever ring. The typical perpetrator is a well educated black male between the ages of 20 and 40 years old. The type of fraud utilized by the NCX which is the cornerstone of the fraud used in the Atlanta area will be discussed in detail later in this report. The success of the NCN is based upon their accessibility to false identities (See Exhibit A).

Nigeria was once a colony of Great Britain. Because of the British accent that Nigerians possess, they often attempt to pass themselves off as American Virgin Islanders. This claim is seldom challenged by officials of financial and insurance institutions.

The Nigerian cultura rarely utilizes birth certificates. Back in Nigeria, a person simply declares their name and date of birth and are provided with documentation to that effect? There are no controls in Nigeria as to how many declaracions an individual can make. Thus it is possible for individuals from Nigeria to enter the United States with passports based on these declarations. In Atlanta for example, Special Agents arrested

a deportable resident alien in possession of three Nigerian passports. Two of the three passports were in different names, passport #1119917 was issued in the name of Felix Ayoto OSHINOWO and passport #0502232 was in the name of Abdula± Sheu KARATU, the third passport was in his real name, All

three passports were legally issued from Nigeria, all having his photograph. These passports enabled Mr. to re-enter the U.S. without detection after having been deported.

In the C.S. Nigerians accumulate false identities by assuming the identity of a real person and then acquiring a driver's license in that individuals's name. I: April of 1989, Special Agents from Atlanta arrested

and ia possession of six stolen credi: cards and si:: Georgia driver's licenses 4 the names of the card holders. Nigerian "White Collar" crime in the Atlanta area ironically has its' origins in many of the financial institutions. Nigerians hold jobs in financial institucions and assist Nigerian "customats" in defrauding the same institutions that they are employed in. i: addition many Nigerians work in the security or janitorial fields which allows then access to personnel files, which in turn is used to secure false identities and secure credit ratings. In Atlanta for example, a Nigerian by the name of was employed by a local janitorial company.

Mr.

through methods unknown to Investigations, assumed the identity of a U.S. Internal Revenue Agent and was able to accumulate approximately $24,000.00 of credit before being apprehended. Mr. is presently serving 24 months for Financial Transaction Card Fraud and 12 months for Re-entry After Deportation.

The 24 month sentence received by Mr. for Financial Transaction (FTC) Fraud is the exception rather than the rule in the Federal, State and Local jurisdictions within the Atlanta Metropolitan area. FTC Fraud in the Atlanta area will be discussed at length later in this report. What should be noted here is that the overburdened criminal justice system appears to be the precursor rather than the panacea to this problem.

Even though the criminal justice system, (specifically the lenient sentences imposed on these perpetrators) appears to be the culprit, it would be a grave error to lay total blame or responsibility for solving this problem on the shoulders of government agencies. Financial institutions, insurance companies, and credit card companies all share equally in the formation and ultimately in the resolve of this problem. Financial communities, in their reluctance to divulge their liberal lending practices to their investors, are more likely co "write" the loss off to their investors rather than pursue criminal prosecution.

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