This is where it gets very gray, as it has been explained to me 15 U.S.C. § 1681c-1 authorizes consumers to obtain fraud alerts, AND in emergency situations it can allow authorized representatives to obtain them on your behalf, HOWEVER, when LifeLock calls and claims 1. That they are you (which they consistently do) or 2. That their is a non-existent emergency (which they also do) ... in order for them to obtain fraud alerts they have now crossed the line into Felony Fraud... Acting on behalf of and Impersonating someone are two drastically different things...

Wow, thanks for the posts. Very insightful... I had never taken some of that into consideration. Now it's quite obvious that what they're doing is illegal.

So, why do I have to have an emergency situation in order to setup fraud alerts? It makes more sense to me to have it setup that way all the time. I know I feel much better about having it that way, so why should they be able to tell me no?

Typing that USC into google, the first result seems to be pretty informative...
http://classactiondefense.jmbm.com/2006/07/15_usc_1681c1_identity_theft_p.html

So now you guys have me highly considering canceling my subscription (good thing I'm still in my free month trial). What other alternatives are available? I know that I obviously can setup the fraud alerts myself, which I plan to do, but what about some sort of identity theft protection? Is there some sort of insurance you can get through standard insurance agencies?

I'm going to call LifeLock right now and see what they tell me when I raise these concerns.

Yup, close enough, excellent!

I called LifeLock and canceled my subscription. The woman I spoke with was very nice, helpful and understanding of my concerns. She unfortunately could not comment on the current lawsuit with Experian. She stated that yes, there is in fact a lawsuit, but because she does not have details or know enough about it she was not able to provide me with any information. She also provided no comment (or even acknowledged) my statements about Mr. Maynard. Out of curiosity from that article I asked about being compliant with ISO 27001, which she did confirm.

I then promptly called Equifax and re-initiated my fraud alerts with them. I also signed up for that 3-in-1 monitoring service and advised them that I did not want anyone (LifeLock) calling up on my behalf. I was also able to lock (freeze) my Equifax file (the gentleman I spoke with said that would carry over to the others as well, but I'm not too sure). I also plan to continue doing the other free things LifeLock offered on my own. The Equifax plan provides $20K in identity theft insurance, which should be more than enough I think, if something happens (but hopefully it won't )

Also, here's a quick follow-up to that article mentioned earlier:
LifeLock Founder Resigns Amid Controversy
So apparently that dude has been gone a while.

Thanks a lot for the help and information guys, I truly appreciate it.

BillV