Another problem are credit companies who treat identity theft with a shrug and a "that's your problem." Someone obtained my name, SSN, DOB, and address. How, I'll never know. They opened a Capital One credit card in my name. The fact that the mother's maiden name was wrong on the form wasn't a red flag. Neither was the immediate address change to another state. Nor was "my wife" calling to request a $5,000 cash advance before the card was activated.
When the card arrived at my house (a lucky quirk of them paying for rush delivery and THEN changing the address), I called CapitalOne. First, they insisted that it couldn't have been fraud, asking if my wife opened it without my knowledge. (She was next to me, freaking out about the situation. That'd be a no.) Then, they admitted that it might be fraud, closed the card out, but refused to give me more information. They literally told me "If we give you the address on the account and you go there and shoot them, we'd be liable." Apparently, they didn't think anything about liability if they opened an account under my name, ignoring a lot of red flags. They even stone-walled the police - telling them to call one phone number that was "manned" by an answering machine whose messages were never returned.
Eventually, I gave up on trying to push the investigation forward and just froze my credit. For all I know, the thieves who stole my identity are still out there racking up debt on other people's credit.