Shady Credit Repair Group Steals 121 Kids Identities

There are certain credit repair companies like LegalCPN.com that have been pushing children’s social security numbers on unsuspecting consumers for years. They promise consumers their very own Credit Privacy Number (CPN) and when the consumer shells out up to $250 for one, they give them a stolen social security number that often belongs to minors.

One such company is Fresh Start Financial. Fresh Start Financial was started by Tonya Ward and Charles Roy in New Orleans LA. And while they may have started out with plans to repair credit for people, they quickly fell down a slippery slope into outright fraud.

The Scheme Involved Using CPN’s and Authorized Tradelines

In early 2019, Louisiana State Police Insurance Fraud/Auto Theft Unit New Orleans Field Office (LSP-IFAT-NFO) along with members of the Office of Inspector General, St. Tammany Parish Sheriff’s (STPSO), Homeland Security Investigations New Orleans Field Office (HSI) and the Jefferson Parish Sheriff’s Office Auto Theft Unit (JPSO) conducted an investigation into a group of individuals who had originally utilized a Mandeville resident’s stolen identity to purchase a vehicle.

During the early stages of the investigation, investigators uncovered an affiliation between Joshua Blaise, Charles Roy, and Tanya Ward, as operators of Fresh Start Financial.

The preliminary investigation into the business revealed that the arrested subjects had purchased and were in possession of high value luxury vehicles acquired via stolen and false identifiers.

Agents were able to execute (6) search warrants at various locations on the morning of April 30, 2019. During these warrants, investigators located and recovered (7) stolen vehicles, (3) all-terrain vehicles, (3) firearms, various narcotics, approximately $2,000 and multiple counterfeit state identification cards. Agents also seized multiple computers and cellular phones for processing.

As a result of evidence seized and information gathered at various times throughout the lengthy investigation, agents determined that members of this criminal organization would acquire stolen or unassigned Social Security Numbers and attach a fictitious name to it.

A profile around this new identity would be assumed using an address for a local house for sale which was use as the address of residence. Fake payroll stubs, utility bills, fictitious names and stolen addresses would then be used to apply for credit through various retailers and banks in order to begin building a credit history and profile.

A third party would then be paid to attach this developing Social Security Number and identity to their credit card account under an authorized user in order to boost the credit rating of the identity. Once the identity was established and had a respectable credit score, the credit profile was either used or sold to commit fraud.

Armed with this information, agents executed approximately (60) search warrants to include electronic devices, email accounts, business records, cellular phone records, and credit reports.

The execution of these warrants exposed approximately (121) children’s identities that had been stolen and used to create synthetic identities which were then re-sold to willing customers of Fresh Start Financial in order to commit fraud.

This led to the discovery of approximately another (13) vehicles stolen via fraud and recovered by the LSP-IFAT-NFO. Agents also identified approximately (24) associates of Fresh Start Financial who purchased a stolen identity and used the identity to commit various crimes.

Agents conducted (121) victim notifications to the families of the juvenile victims, spanning all the way from Alaska to various states along the east coast.

This included investigators working with each victim’s family to identify the breach of their child’s information, obtaining credit reports, identifying fraudulent transactions, and disputing said transactions.

As of June 26, 2020, the LSP-IFAT-NFO has received confirmation from the Orleans Parish District Attorney’s Office they would be seeking an indictment against Ward and Roy for racketeering regarding the criminal enterprise they operated under Fresh Start Financial and the predicated offenses of: identity theft, and injuring public records/filing or maintaining false public records.

LSP-IFAT-NFO has conservatively estimated the potential fraud loss amount to $1,000,000.00 from the activities of this organization.

22 People Arrested and Charged

The fraud ring was extensive and many people were arrested by authorities. Here is a list of all of the individuals that were involved and what they were charged with.

42-year-old Tanya Ward

One count of bank fraud, one count of forgery, two counts of computer fraud, one count of monetary instrument abuse, two counts of theft of a motor vehicle, 32 counts of identity theft, one count of possession of a Schedule I narcotic, 74 counts of unlawful production, manufacturing, or distribution of fraudulent documents, one count of insurance fraud, and one count of injuring public records

31-year-old Charles Roy

Two counts of bank fraud, two counts of forgery, one count of computer fraud, one count of monetary instrument abuse, four counts of theft of a motor vehicle, two counts of identity theft, one count of insurance fraud, two counts of injuring public records, four counts related to fugitive warrants

23-year-old Erin Alonzo

A fugitive from Orleans Parish for second degree murder

28-year-old Joshua Blaise

One count of identity theft

26-year-old Jermaine Toussaint

Two counts of bank fraud, two counts of forgery, two counts of computer fraud, two counts of theft of a motor vehicle, two counts of identity theft, and two counts of injuring public records

24-year-old Carldell Marshal

One count of carrying of a firearm by a convicted felon, fugitive warrant

30-year-old Chloe Singleton

Multiple fugitve warrants, one count of bank fraud, one count of forgery, one count of computer fraud, one count of theft of a motor vehicle, one count of identity theft, one count of pwit of a schedule i narcotic, and one count of possession of a schedule iv narcotic

24-year-old Shaquille Florant

One count of bank fraud, one count of forgery, one count of computer fraud, one count of monetary instrument abuse, one count of theft of a motor vehicle, one count of identity theft, and a fugitive warrant

42-year-old Torron Wilson

One count of principle to identity theft, one count of principle to bank fraud, one count of principle to theft of a motor vehicle, one count of principle to computer fraud

34-year-old Terrell Perkins

One count of bank fraud, one count of identity theft, and one count of carrying of a firearm by a convicted felon

38-year-old Kimberly Gentry

One count of theft of a motor vehicle, and one count of unlawful production, manufacturing, or distribution of fraudulent documents

36-year-old Desean Young

One count of bank fraud, one count of computer fraud, one count of theft of a motor vehicle, one count of identity theft, and one count of injuring public records

36-year-old Kendra Walker

A fugitive from Pearl River and Jefferson Parish

24-year-old Jasmine Ceaser

One count of bank fraud, one count of computer fraud, one count of theft of a motor vehicle, one count of identity theft, and one count of unlawful production, manufacturing, or distribution of fraudulent documents

25-year-old Elmira Fobbs

One count of unlawful production, manufacturing, or distribution of fraudulent documents

29-year-old Shanequa Henry

One count of unlawful production, manufacturing, or distribution of fraudulent documents

26-year-old Johnnisha Matthews

Two counts of identity theft, one count of computer fraud, one count of unlawful production, manufacturing, or distribution of fraudulent documents

26-year-old Pauline Peters

One count of identity theft, and one count of computer fraud

44-year-old Ladell Eurings

Three counts of theft and three counts of identity theft

31-year-old Daijonia Hopson

One count of computer fraud, and one count of identity theft

25-year-old Raymoniqua Johnson

One count of identity theft at large

32-year-old Courtney Griffith

One count of computer fraud, one count of identity theft, and one count of bank fraud at large

Frank McKenna is the Chief Fraud Strategist for PointPredictive and a Fraud Consultant based in San Diego California