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Over 19,000 people each day fall victim to identity theft according to studies done in 2003. Identity theft victims spend an average of $1,400 out-of-pocket and an average of 600 hours recovering from this crime.

There are several methods use

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

d by identity thieves to steal your identity. These methods include:

Skimming: Thieves steal your credit or debit card numbers by using a special storage device when you use your card.

Changing your address:
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in
>Thieves divert your billing statements to another location by fraudulently completing a "change of address" form. After receiving your billing statements an ID thief has all the information they need to begin robbing you.

Phishing: <
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

/strong>ID thieves send you email pretending to be a financial institution or other company, hoping you will reveal your personal information by filling out a short form.

Dumpster Diving: ID thieves rummage through garbage lo
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
king for bills or other documents containing your financial information.

Stealing: ID Thieves steal items such as your wallet or purse, your personal records, your mail, etc.

There are some helpful steps you can take right a
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro
way if you think your identity has been stolen. If you believe you may have fallen victim to any one of these or other ID theft schemes the first thing you'll want to do is to contact the fraud departments of any one of the three major credit
ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc
bureaus. You do not have to contact all three because once a fraud alert is placed on your file the other credit bureaus are automatically notified to place fraud alerts. You will then receive credit reports from all three major credit bureaus
easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

The next thing you want to do after viewing your credit reports is close the account(s) that you believe has been tampered with or fraudulently opened. In either case you can request copies of all documents relating to the fraudulent transac
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
tions made or accounts opened using your personal information. If your request is made in writing, in most cases a business or creditor must provide you copies of all applications and other documents relating to accounts and transactions that
and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ
have resulted from your identity theft.

Now it is time to file a report with your local police department or law enforcement. You may also need to report the theft where the crime occurred if it occurred somewhere other than where you live. Y
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
u will need this report to assist you with your creditors who may require proof of the identity theft so be sure to give law enforcement as much information and documented evidence as possible. If your local police department refuses to file a
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a
report, try your local sheriffs department or state police agency. Under the Fair Credit Reporting Act this report is called an "Identity Theft Report". Be sure to get a copy of this report for your records.

If you find that a new account ha
dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod
s been opened in your name by an imposter you will want to immediately contact those creditors by phone and in writing. Thanks to changes in the law you can now prevent businesses from reporting fraudulent accounts to credit bureaus. You may b
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
e asked by the creditors to fill out a fraud affidavit. You can get a standard fraud affidavit form from the Federal Trade Commission's website. Ask the business or creditor in writing to provide you and the investigating law enforcement agenc
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
with all documents relating to the fraudulent account.

When you have resolved the matter with the company or creditor, be sure to ask for a letter stating that the company has closed the account in dispute and has discharged the debts. You'l
t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
l want to keep this letter in your file in case the account reappears on your credit report. You can also notify the credit bureaus about the fraudulent account and provide them copies of the letter.

After you notify the credit bureaus about
ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust
the fraudulent accounts, they are required to block this account information from future credit reports. They must also notify the credit grantor of the fraudulent account. You can also instruct the credit bureaus in writing to remove inquirie
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
that have been generated resulting from the fraudulent access. You may also want to request the credit bureaus notify all companies and creditors who received your credit report in the last six months to alert them of the dispute and fraudule
.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
nt information.

You may want to consider filling a complaint with the Federal Trade Commission as well. They keep an identity theft database used by law enforcement.

Be sure to document everything in writing and keep complete notes of any te
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip
lephone conversations you have regarding this situation. You'll want to keep a well organized file documenting the events. Identity theft is a dirty business but with due diligence you can come out of it with your credit and reputation in tact

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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