Anything short of holding credit agencies, banks, and anyone who improperly leaks data or acts on false data liable for their actions is an improper solution he

Anything short of holding credit agencies, banks, and anyone who improperly leaks data or acts on false data liable for their actions is an improper solution here. Why should I have to freeze my credit, when it's the bank or credit agency's fault that someone opened a fraudulent account and it should be them and only them that pay to fix this up? This bill is a joke and only serves to reinforce the notion that it's the consumers' fault that banks act on fraudulent information. It's not the consumer's fault that banks themselves commit fraud, so why do the consumers then have to pay for the consequences? With shit laws like this on the books, it's hard to get angry at people who rob banks: they're doing what our legislators failed to do for them. I don't even see that as immoral anymore, especially compared to current law that protects the thieves and banks and throw the consumer under the bus.