Comment Re:Freeze your credit. Problem solved. (Score 2) 85
That's what we did when my identity was stolen. My name, address, SSN, and DOB were used to open a card in my name. I was lucky and the credit card company sent it to me (due to the thieves paying for rush delivery) instead of processing the address change and sending it to the thieves. It's a pain when I want to use my credit (refinance mortgage, buy a car, etc), but most days I don't need to touch my credit and don't want anyone else touching it either.
Of course, the credit agencies don't like when you freeze your credit. Frozen credit files are less profitable (can't sell them to credit card companies hawking even more lines of credit) and so they like pushing "fraud alerts" instead. These expire every 90 days unless you renew them and are voluntary. If I were a credit card company opening a line of credit on someone, it's recommended that I check the fraud alert, but I could just ignore it, open the credit line, and suffer no consequences.
To credit agencies and credit card companies, identity theft is an inconvenience that you just write off. No big deal. To the victim, though, it's a horrible experience. I felt completely violated knowing that someone was walking around with my private information, pretending to be me, and doing their best to run up a huge tab to send my way.