Eve convinced Banker Bob she was Alice. Alice didn't lose anything. Banker Bob says Alice suffered identity theft i.e. this is her problem.
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Alice complains to Banker Bob that Banker Bob has caused Credit Reporting Charlie to blacklist her. Bob offers a year of credit monitoring.
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Alice does not have to have any relationship with Bob *at all* to have Bob open Eve an account in her name and report it.
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Alice does not have to be held liable to be consequenced via e.g. her FICO down 200 points while she does 6 weeks of calls.
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I just had to create an account on a large financial institution's website. It's amazing how terrible the password constraints are
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it’s a fiction that because one person hit my car a greater than normal amount of other people may hit it.
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@patio1 I drive for 20 yrs w/out incident then some idiot backs into me in a parking lot & I'm a greater risk why?
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Thus the unfairly part, when infact it's not Alice's problem, yeah.
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which is quite the point. Externalities cause consequence through no fault of the party accruing the problems.
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@PowerDNS_Bert financial institutions are experts at shifting blame, be it to consumers or businesses.Thanks. Twitter will use this to make your timeline better. UndoUndo
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