Re: Looking for additional ideas or suggestions for victims of identity theft

[Robert <http://dummy.us.eu.org/robert>]

 > From: Flora  <http://www.gmail.com/~flora>
 > Date: Thu, 17 Nov 2016 21:15:36 -0500
 >
 > Thank you for your additional suggestions. Would you please clarify the two
 > below? I want to be able to understand and explain them.
 > 
 > *Companies that maintain or retain personal information be liable via*
 > *the courts.  I.e., exclude arbitration clauses from identity theft.*
 > Specifically, what do you mean by "exclude arbitration clauses from
 > identity theft?" Do you mean that they could get out of any liability for
 > identity theft?

Yes.  In particular, most arbitration clauses release them from any
liability related to identity theft and, often, class action lawsuits
related to such thefts.

 > *I'd also ask that the government require that credit score calculations
 > be **open-sourced rather than proprietary.*
 > What do you mean by open-sourced? How would that work?

Their algorithms should be made public.  Right now, they are secret and
it's impossible to tell how any identity theft affects your credit score
exactly.

 > I really like your idea of eliminating social security numbers as a form of
 > ID. This should never have happened in the first place. You and I both know
 > that this is not a very good way to verify someone's identity. With all the
 > breaches we have had, anybody's social security number could be presented
 > as a form of identity. I'm wondering how you could legislate this.
 > 
 > Thanks!