You say "identity theft", I say "a strangely socially acceptable discourse by which financial institutions shift fraud risk to consumers."
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n.b. Discourse of identity theft often functions to assume conclusion that Alice was asking for it by being negligent regarding security.
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Alice has often done negligent things like shopping at a grocery store, handing her card to a waiter, writing a check, or having a job.
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Better: Make it straightforward for Alice to sue Credit Reporting Charlie for libel. (Charlie can then sue Bob to recover losses.)
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Yea but this is America where we say "fuck the consumer" while pretending to really be interested in security.
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Security is really just covering the company's ass so they can tell the consumer "nah, we did our part. Sucks to be you"
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Well, the financial institution failed to authenticate Alice and did stuff without Alice's authorisation.
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In that case it's the FI's problem/fault, not Alice's.
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Word. Downside for bank: Lose a little money. Downside for Alice: Have her life messed up for a long time.
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@patio11 The problem is Credit Agency Charlie: make it straightforward for Alice to correct her credit record so no ongoing harm to her... -
but they have to protect against Deadbeat Doug who lies and says "naw, I paid back everything I ever borrowed"
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