> but the most direct way to solve the problem of credit scams is to put the onus on the bank who opened up the account incorrectly to assume responsibility for

> but the most direct way to solve the problem of credit scams is to put the onus on the bank who opened up the account incorrectly to assume responsibility for the debt, not on the person whose details were spoofed to create the account. This. "Identity theft" shouldn't be a term. There's already a term for what's happening, it's called fraud, and it's perpetrated on the banks without involving the person whose identity was "stolen." Consumers shouldn't have to deal with the fallout from banks' fuckups, especially given the resources banks have available to avoid said fuckups.