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 22:14:54 -0500
 >
 > This is great. Thanks.

Oh, one more thing.

Individuals should be able to sue the federal government when they allow
breaches, for example the hacking of OPM.

 > On Nov 17, 2016 9:52 PM, "Robert" <http://dummy.us.eu.org/robert> wrote:
 > 
 > >  > 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!