> The solution to all of this is clear. Little people aren't able to recoup their losses when disentangling the tremendous inconveniences of identity theft, mi

> The solution to all of this is clear. Little people aren't able to recoup their losses when disentangling the tremendous inconveniences of identity theft, mistakes in credit reports, and so on. You're only addressing losses by lenders, which are a tiny fraction of the actual problem. You're not offering any practical way for the general population to seek redress.