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Re:Identity theft or scraped card number? (Score:4, Insightful)
Fortunately, none of this cost me a dime, and it wasn't even really a hassle. 1 phone call and a document to sign and return and it was done.
Re:Pre-planning for Identity Theft (Score:5, Insightful)
So, you're encouraging people to file false police reports, attest to false affidavits, and commit perjury?
Yep, sounds like a real solid plan to me.
Never, to my knowledge... (Score:4, Insightful)
Never, to my knowledge...
Ah yes. There's the rub.
Re:Identity theft or scraped card number? (Score:5, Insightful)
Does someone else using my card count as identity theft or does someone actually have to register for a new service/card/etc using my name, address and SSN?
Identity theft is a weasel term that needs to be eliminated from use
If someone registers for a new card using your name/address/SSN, that's not identity theft, that's fraud permitted by a bank (that considers knowledge of your SSN and sometimes birth date to be a proof of your identity). It's more of an identity giveaway by the bank
Then they call it identity theft, that is done to pretend that this is your problem and shift the cost of fighting/cleaning it up to you. Clearly, it is working, because as I understand it, "identity theft" is your problem and not the bank's that issued the loan.
Re:Pre-planning for Identity Theft (Score:5, Insightful)
So, you're encouraging people to file false police reports, attest to false affidavits, and commit perjury?
The police won't investigate. That's the problem. If they aren't going to hold up their end of the social contract, why should you? Responsibility to follow the law needs to flow both ways. In our country, the law has become so complex nobody can know whether they're committing a crime right now or not. If the system is so thoroughly corrupted that nobody can be reasonably expected to abide by the law, because it's impossible to even know what the law is, then why should it be respected?
Most people I know go off their own moral compass anymore these days. The law has little relevance to them, other than avoiding it as much as possible. Until those problems are fixed, I find "it's illegal!" to be a poor reason to do (or not do) something. I ask myself whether it's right or not... and for most people, that ultimately is whether the benefits outweigh the risks.
Identity theft is a real problem. The police actually investigating your report isn't. I'm not saying it's right, but the argument can be made it's safer.
Theft? (Score:5, Insightful)
Re:Identity theft or scraped card number? (Score:4, Insightful)
Utility companies should be fined for requesting your SSN!
Whoa, hold on there! The problem is not what you think. We are using SSNs for 2 incompatible purposes: public identity and authentication. The SSN is all over the place, in so many hands, yet we are expected to treat it as a big secret.
The answer is to quit treating SSNs as proof of identity, not to go crazy trying to turn them back into secrets. Ideally, it should not matter if the whole world can find out anyone's SSN. Likewise with handwriting. It's ridiculously easy to forge someone's signature. Even more so since no one pays much attention to them, for good reason. When is the last time a clerk compared your signature on the sales slip to the signature on the back of the credit card you just used?
For authentication purposes, we could use a new system, some sort of digital signature.