IMO the real problem is treating "ID theft" as a real thing. You can't really steal someone's ID, per se. If a bank opens an fraudulent account without due di

IMO the real problem is treating "ID theft" as a real thing. You can't really steal someone's ID, per se. If a bank opens an fraudulent account without due diligence, that's on them. The law should be that as a consumer, I am the authority on what debt/etc is attributable to me and the burden of proving otherwise is on the company making the claim.