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LifeLock Spokesperson's Stolen ID Inspires Lawsuits

OrochimaruVoldemort writes "It seems as though LifeLock isn't as secure as Todd Davis makes it out. According to a LifeLock spokesman, his identity has been stolen. For two years, Davis has been daring hackers to steal his ID. Looks like he got what he wanted. CNN reports: 'Now, LifeLock customers in Maryland, New Jersey and West Virginia are suing Davis, claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.'"

217 comments

  1. Isn't this old news? by ngth82 · · Score: 5, Informative

    Isn't this old news? I thought I read about this months ago.

    1. Re:Isn't this old news? by Aranykai · · Score: 5, Informative
      --
      If sharing a song makes you a pirate, what do I have to share to be a ninja?
    2. Re:Isn't this old news? by nawcom · · Score: 1

      I just RTFA. very old news. some stranger in Texas got $500 from him a year ago. This seems to be a "LifeLock sucks as a service" CNN article.

    3. Re:Isn't this old news? by nih · · Score: 0

      dupe? slashdot? head explodes

      --
      I'm a rabbit startled by the headlights of life :(
    4. Re:Isn't this old news? by Anonymous Coward · · Score: 0

      Mouth farts

  2. I figured that happened. by AltGrendel · · Score: 1

    They stopped running all those adds on TV.

    --
    The simple truth is that interstellar distances will not fit into the human imagination

    - Douglas Adams

    1. Re:I figured that happened. by JonWan · · Score: 1

      Hmmm...

      I saw an ad about a week ago. Don't remember the channel.

    2. Re:I figured that happened. by Radtastic · · Score: 1

      The issue is, I believe, that his identity was stolen some time ago, and yet he still advertises his SSN today. Ianal, but I would think this fact lends credence to the lawsuit.

      I personally heard the advertisement on KGO radio this week. (SF Bay Area.)

      Disclaimer - I've only *heard* his identity was stolen, and I don't have the motivation to go find a link.

      I always assumed his company's strategy was that the knew they would have some loss with his identity theft, which would be included in their marketing budget / opportunity cost.

      --
      You stereotypers are all the same...
    3. Re:I figured that happened. by Anonymous Coward · · Score: 0

      Here's a link, stupid.

    4. Re:I figured that happened. by smooth+wombat · · Score: 1

      I saw the commercial last night (5/21). And I don't normally watch commercials!

      One of the major networks but like above, not sure which one it was.

      --
      We will bankrupt ourselves in the vain search for absolute security. -- Dwight D. Eisenhower
    5. Re:I figured that happened. by orclevegam · · Score: 2, Insightful

      I hear it on XM radio all the time.

      --
      Curiosity was framed, Ignorance killed the cat.
    6. Re:I figured that happened. by Anonymous Coward · · Score: 0

      Funny, I just saw one of those ads yesterday where he shows his SSN.

    7. Re:I figured that happened. by bingo_cannon · · Score: 1

      And 750 AM (Prolly Atlanta local)

    8. Re:I figured that happened. by sumdumass · · Score: 1

      I guess the claim is that his identity was stolen by a texas man who used his social security number to get a $500 cash advance at a check cashing/payday loan store because a clerk never verified his identity, the account it was drawing off of or anything.

      Anyways, because of the fraud alert on his credit reports and the lack of the bank account, he used his service to contest it and he claims it is proof of the services working because it didn't cost him a dime or any of his time.

      Take that with a grain of salt I guess.

    9. Re:I figured that happened. by Sandbags · · Score: 1

      No, they didn't stop running the adds. I saw one a couple of nights ago, during House I think, if not one of the law and orders...

      --
      There is no contest in life for which the unprepared have the advantage.
  3. pwned! by Anonymous Coward · · Score: 0

    pwned!

  4. heh. by nawcom · · Score: 1

    I've always sort of giggled when that guy would give out his ssn on the lifelock ads. Getting the ssn is just one small part of effective identity theft i would think. Him giving it out doesn't necessarily make it it easier, it just takes care of the job of actually getting the persons ssn. oh well. There goes their business.

    1. Re:heh. by WK2 · · Score: 1

      Identity theft is easy for the pros. It's like a Slashdot user installing a computer program. This guy discovered that it is a bad idea to paint a target on your own back.

      --
      Write your own Choose Your Own Adventure. http://www.freegameengines.org/gamebook-engine/
  5. TWO FREAKING YEARS by Gotung · · Score: 3, Insightful

    The guy has been throwing out his social security number (often in television advertisements) for 2 whole years and only once did anybody end up getting any money out of it.

    And that person got it from a payday check cashing place at that.

    Not exactly a reputable type of business in general.

    I'd say his service works pretty well based upon that track record.

    1. Re:TWO FREAKING YEARS by morgan_greywolf · · Score: 3, Insightful

      Uh, yeah, but there are a LOT of payday check cashing places.

    2. Re:TWO FREAKING YEARS by orclevegam · · Score: 3, Informative

      It says it prevents identity theft, not that it prevents people from obtaining loans in your name. The articles all mention that a lot of people (at least 20, but possible many more) have obtained drivers licenses using his SSN, and many more attempted to but were unsuccessful. Further there service won't protect you from someone using your identity to obtain a job, or several other types of identity theft that don't directly impact your credit report. There's also the fact that they're charging for a service that the credit companies offer for free. It's perfectly possible to request fraud alerts directly from the credit companies but most people don't realize they have that option so this company is really making money off peoples ignorance.

      --
      Curiosity was framed, Ignorance killed the cat.
    3. Re:TWO FREAKING YEARS by Uncle+Focker · · Score: 1

      Which highlights a huge hole in their service. Just imagine how many of their clients could have already been subjected to such a misuse of their personal information and they would have no idea about it because as the article says, they don't use one of the 3 credit reporting agencies when giving out the loan. You can just save yourself the money and just get credit lock from each of the credit reporting agencies and save yourself the monthly bill (which is also this service ends up being in the first place).

    4. Re:TWO FREAKING YEARS by Uncle+Focker · · Score: 2, Insightful

      Exactly. All this company is doing is periodic credit report checks and to put a credit lock on the customers credit information. All of this the consumer can do on their own for a fraction of the cost and will be just as secure. But then again companies like LifeLock would rather you not know about these options since you no longer line their pockets.

    5. Re:TWO FREAKING YEARS by XorNand · · Score: 4, Informative

      This "service" is simply placing a fraud alert on your credit report. When a creditor pulls your report, they see this alert which means they ought to do a bit more manual verification of your ID before granting credit. Most creditors will go the extra mile to win the business, but some of them will just throw the credit app in the trash. The bureaus have been bitching left and right about Lifelock, because they're gaming the system. A FA is only supposed to be used if a credit report (CR) is suspected of containing fraudulent information. Anyhow... the point is, you can call a credit bureau (Experian, Equifax, or TransUnion) and place a FA on your file for free. You don't even have to call them all, a FA will in short time propagate to all three.

      (Note: a FA is different from "freezing" your CR, which prevents it from even being pulled at all by potential creditors. A freeze is a one-time fee ($10 I think) and is an even better protection against ID theft than a perpetual FA. The downside is you have to pay that $10 per bureau and it can be a pain in the ass if you ever to legitimately apply for credit.)

      --
      Entrepreneur : (noun), French for "unemployed"
    6. Re:TWO FREAKING YEARS by ehrichweiss · · Score: 1

      You must have missed where he also has had his credit report poisoned so badly that they now report his DOB around 1943 or so and that there are no less than 5 drivers licenses in his name in various states of the country. I would not call that a success in any regard.

      --
      0x09F911029D74E35BD84156C5635688C0
    7. Re:TWO FREAKING YEARS by mea_culpa · · Score: 1

      I freeze my CRs and because I have no near future plans to use credit and I think everyone in their right mind aught to do the same. If or when I do need credit, I can request the CRA to thaw the CR for a particular creditor, or in some cases get a 1 time pin. Takes about 3 days, and I agree it is a PITA for all 3 parties involved, but they CRAs can make it much easier if they really wanted to. I think they are under pressure from creditors to keep it a cumbersome process as a discouragement because so much credit is granted on a whim and waiting 3 days gives too much time for the consumer to think about their purchase.

    8. Re:TWO FREAKING YEARS by prockcore · · Score: 1

      not for long. They'll probably all be shut down in the next few years.

    9. Re:TWO FREAKING YEARS by Deanalator · · Score: 1

      I am not a subscriber of lifelock, so I don't know for certain, but I don't think that people are paying for the credit alerts. The real service being provided is that they get to be the ones making all the phone calls getting the stuff taken care of after someone has stolen the identity.

      Most people that I know that have gotten their identities stolen weren't complaining about the money loss, or the wrecked credit. They complain about the massive loss of time (months, and sometimes years) that it takes to get things back in order.

    10. Re:TWO FREAKING YEARS by Anonymous Coward · · Score: 2, Informative

      Already shut down in Ohio.

    11. Re:TWO FREAKING YEARS by Anonymous Coward · · Score: 0

      not for long. They'll probably all be shut down in the next few years.

      I'd go for that. And while we're at it, lets allow a public beating by phone book or Kenny G concert of anyone who uses these places and maybe knock some sense into these dumb bastards.

    12. Re:TWO FREAKING YEARS by db32 · · Score: 1

      His "service" is billing you for something you can do for free. On top of that the fact that he has been all over TV, radio, and the internet doing this crap makes him considerably more recognizable than the average person off the street. You don't usually want to steal the identity of someone who will be recognized.

      --
      The only change I can believe in is what I find in my couch cushions.
    13. Re:TWO FREAKING YEARS by justinlee37 · · Score: 1

      Agreed! And furthermore, I have it on good authority that businesses claiming to be "taxi services" will charge consumers for transportation to a destination, when they could simply walk there for a fraction of the cost and still arrive!

    14. Re:TWO FREAKING YEARS by orclevegam · · Score: 2, Interesting

      The commercials imply that they'd be the ones making the calls for you, but if I'm reading the details of the lawsuit correctly that's not the case and is part of what they're being sued over. Apparently they only cover you if there's a flaw in their service, which since it's really just a front for the credit reporting agencies own service doesn't seem very likely. Apparently the fine print on this thing deviates drastically from the spoken guarantee of "If you're identity is stolen we'll reimburse you with our one million dollar guarantee".

      You do however make an excellent point which is that in addition to ruined credit, the time it takes to simply sort the whole thing out is a major issue with identity theft. Something that it seems this service implies that it helps with, but which it actually doesn't.

      --
      Curiosity was framed, Ignorance killed the cat.
    15. Re:TWO FREAKING YEARS by nelsonal · · Score: 1

      A decent number of payday loans are used to cover checking account overdrafts which have even higher fees. Funny how folks aren't always as dumb as we make them out to be.

      --
      Degaussing scares the bad magnetism out of the monitor and fills it with good karma.
    16. Re:TWO FREAKING YEARS by Bryansix · · Score: 1

      That's a good point. The CRA's could make it easier but they won't unless they are compelled by the long arm of the law. A few public beatings would help too. The point is it SHOULD BE FREE and EASY to freeze your own credit.

    17. Re:TWO FREAKING YEARS by StikyPad · · Score: 1

      Actually, the advertisement says, "Just like we have with mine, LifeLock will make your personal information useless to a criminal. And it's GUARANTEED." (Emphasis theirs.)

      So if what you say is correct, then they're at least guilty of false advertising.

    18. Re:TWO FREAKING YEARS by Anonymous Coward · · Score: 0

      His "service" is billing you for something you can do for free.
      <response style="pedantic">Most services are.</response>
    19. Re:TWO FREAKING YEARS by JDWTopGuy · · Score: 1

      There are like 3 in downtown Xenia. Care to provide some backup for your claim?

      --
      Ron Paul 2012
    20. Re:TWO FREAKING YEARS by lgw · · Score: 1

      And floating a bad check because you plan to cover it with a payday loan is "not dumb" how, again? I did such things when I was a broke student, and they were very dumb indeed! SImple failure to do the simplest planning, as I had never managed my own money before moving out.

      --
      Socialism: a lie told by totalitarians and believed by fools.
    21. Re:TWO FREAKING YEARS by Anonymous Coward · · Score: 0

      Further there service won't protect you their
    22. Re:TWO FREAKING YEARS by rastoboy29 · · Score: 1

      Meanwhile, back in reality, ALL credit reports should have FA's by DEFAULT, and it is a travesty that this is not true, and is one of the #1 reasons identity thieves can succeed at all.

      All it does (I have had one for many years now) is add the simple requirement that you be contacted at the phone number of your choice before someone can extend credit to you.  It's simple, it's effective.

      But instead banks would rather pay the cost of fraud in return for making it easier to extend credit.

      Madness.

    23. Re:TWO FREAKING YEARS by warsql · · Score: 2, Interesting
      --
      878659 - yep its prime.
    24. Re:TWO FREAKING YEARS by matthewmok · · Score: 1

      Agreed. But in the mean time you should still freeze it. It really isn't a hassle compared to what you have to go through if there is fraudulant use of your credit ("identity theft" is a misnomer). And though in some states there may be a fee for a temp thaw -- you can often get the one wanting to pull the credit report to pay for it as part of the deal.

    25. Re:TWO FREAKING YEARS by nelsonal · · Score: 1

      Because the $20 fee is less than the $40 overdraft fee your bank charges. Not monitoring your money is dumb, but minimizing the cost of your mistakes is, um, less dumb.

      --
      Degaussing scares the bad magnetism out of the monitor and fills it with good karma.
  6. Huh. by morgan_greywolf · · Score: 1

    So did anyone NOT see this coming?

    1. Re:Huh. by orclevegam · · Score: 3, Funny

      Todd Davis apparently.

      --
      Curiosity was framed, Ignorance killed the cat.
    2. Re:Huh. by sm62704 · · Score: 0, Redundant

      Apparently not Todd Davis.

      --
      mcgrew's razor: Never attribute to stupidity that which can be explained by greedy self-interest
    3. Re:Huh. by Anonymous Coward · · Score: 1, Funny

      "I should have seen it coming at me like an atom bomb."
      --Todd Davis, SSN 457-55-5462

  7. This morning on the radio by techpawn · · Score: 0

    I heard their ad and I kept thinking it was odd that they said his SSN only once but their phone number three times.
    It's a basic marketing tool that if you want people to remember number you repeat them at least 3 times and since the ssn was said once and quickly they really didn't want you to know it or remember it.

    --
    Ask not what you can do for your country. Ask what your country did to you
    1. Re:This morning on the radio by jfim · · Score: 1

      But if you wanted to steal his SSN, all you'd have to do is record the ad. Also, they're not advertising his SSN, they're advertising the service LifeLock provides, which is why they would repeat the phone number and not the SSN.

    2. Re:This morning on the radio by exley · · Score: 4, Funny

      Apparently their business plan failed to account for people writing stuff down.

    3. Re:This morning on the radio by jgoemat · · Score: 1

      I don't know why you find it odd, the purpose of the ad is to get people to use their service, not to get people to remember his SSN. If anyone does want to use his SSN, they can write it down, remember it, TiVo it or wait for the commercial to come on again. Of course they want to make it as easy as possible to remember or write down the phone number.

    4. Re:This morning on the radio by Volante3192 · · Score: 1

      Just pick up a newspaper. Wall Street Journal runs (ran? haven't checked recently) full page LifeLock ads with the SSN in a font that runs across the whole width.

    5. Re:This morning on the radio by Anonymous Coward · · Score: 0

      Given that you can find the number printed in newspaper ads from Lifelock, all you really need is a pair of scissors to cut it out and put into your wallet. You need a social security number that isn't yours? Just look in your wallet and read it off.

  8. Deja news by Anonymous Coward · · Score: 0

    Didn't someone steal this guy's identity previously? I seem to recall this having been posted before.

  9. Duh. Just Duh. by Frosty-B-Bad · · Score: 3, Insightful

    who really thinks some 3rd company can block all access to your information? Even if they had access to your credit file, its all in the past, so it would take a month to figure it out, while your credit score gets lowered, then all this company could do is pay to fix/remove it, more like insurance than any sort of blocking; then the "big 3" credit mongrels will sort out the problem after said company contacts them, and after I'm sure you have to call/fax them all this info, signed in triplicate, so in the end you just gave LifeLock money for a false feeling of security, because they have no higher ability to repair your credit file than another one has to destroy it. think about it people. Really?

    1. Re:Duh. Just Duh. by Kamokazi · · Score: 1

      What I'm assuming they do, is just put a credit freeze on your credit report so no new lines of credit can be opened (which is a good idea to do yourself if you don't plan on applying for loans or credit cards any time soon).

      But the sleazier places that don't check credit reports will still give you credit if it's a valid SSN. And they are easier to litigate against since they didn't check your credit report, and obviously didn't verify a (real) government-issued photo ID.

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  10. Let's keep this in perspective... by Jhon · · Score: 3, Interesting

    Davis acknowledged in an interview with The Associated Press that his stunt has led to at least 87 instances in which people have tried to steal his identity, and one succeeded: a guy in Texas who duped an online payday loan operation last year into giving him $500 using Davis' Social Security number.
    One out of 87 -- and that guy only succedded in getting $500.

    Davis learned about the fraud in Texas when the payday-loan outfit called to collect on the loan, he said. He didn't get an alert beforehand because the company didn't go through one of the three major credit bureaus before approving the transaction.
    Ok... so it's not perfect -- but it sounds like the service would stop major ID theft attempts...
    1. Re:Let's keep this in perspective... by 5E-0W2 · · Score: 1

      This rock keeps tigers away

    2. Re:Let's keep this in perspective... by everphilski · · Score: 1

      5E-0W2, I would like to buy your rock...

    3. Re:Let's keep this in perspective... by damn_registrars · · Score: 1

      One out of 87 -- and that guy only succedded in getting $500.
      That just means that 87 potential ID thieves that were either a) extraordinarily stupid or b) extraordinarily arrogant made detectable attempts to use his identity.

      Really, shouldn't catching people attempting to use that SSN be on about the same level as catching DUI offenders in front of liquor stores?
      --
      Damn_registrars has no butt-hole. Damn_registrars has no use for a butt-hole.
    4. Re:Let's keep this in perspective... by gEvil+(beta) · · Score: 1

      He didn't get an alert beforehand because the company didn't go through one of the three major credit bureaus before approving the transaction.

      It's okay. Even if you've explicitly requested the alert service from the three major credit bureaus, they usually don't bother with notifying you anyways.

      --
      This guy's the limit!
    5. Re:Let's keep this in perspective... by Jhon · · Score: 1

      This rock keeps tigers away

      Cute... but poor analogy. In this case, there were at least 86 tigers who tried to bite, but failed to find flesh.
    6. Re:Let's keep this in perspective... by jd · · Score: 1

      Their box of lerts were stolen.

      --
      It's a small world and it smells funny; I'd buy another if it wasn't for the money; Take back what I paid (SoM)
    7. Re:Let's keep this in perspective... by orclevegam · · Score: 1

      Good reflexes not withstanding that's at least 86 tigers that the rock failed to keep away. And that's just the known ones.

      --
      Curiosity was framed, Ignorance killed the cat.
    8. Re:Let's keep this in perspective... by 5E-0W2 · · Score: 1

      And how many of these identity theft attempts would have succeeded without him using the service? These aren't going to be your usual identity thieves, who would pick a far more low-profile target.

    9. Re:Let's keep this in perspective... by db32 · · Score: 1

      One out of AT LEAST 87.

      Only learned about it when the payday-loan outfit caleld to collect on the loan.

      So...because they know of 87 that means it only happened 87 times? Because they caught one when he got a phone call about collections that was the only one? This also doesn't account for a tremendous variety of things that you can use someone's identity for that won't generate credit checks.

      --
      The only change I can believe in is what I find in my couch cushions.
    10. Re:Let's keep this in perspective... by Anonymous Coward · · Score: 0

      "One out of 87 -- and that guy only succedded[sic] in getting $500."

      *chuckle* I notice that you make too much money. $500 is quite a bit of money to most people. I can think of MANY things better to do with $500 than piss it to the wind (ID thief).

      This will NOT stop major ID theft attempts... it will stop _MOST_ major ID theft attempts. That is a huuuuuggggeeeee difference. I would think it is only a matter of time when you post your info. Definitely a big-balls attention getting idea. Not one I would be willing to do.

  11. "he knew it wouldn't"? by webrunner · · Score: 4, Insightful

    claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.


    Isn't the fact that he got his identity stolen due to use of the system more or less hard proof that he didn't know it wouldn't work?
    --
    ADVENTURERS! - ANTIHERO FOR HIRE - CARDMASTER CONFLICT
    1. Re:"he knew it wouldn't"? by treeves · · Score: 3, Insightful

      Yes, before it happened.
      But he made commercials promising it would work AFTER it had failed.

      --
      ...the future crusty old bastards are already drinking the Kool-Aid.
    2. Re:"he knew it wouldn't"? by Anonymous Coward · · Score: 0

      That *was* an odd statement, thank you for pointing that out.

    3. Re:"he knew it wouldn't"? by nine-times · · Score: 1

      claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.
      Isn't the fact that he got his identity stolen due to use of the system more or less hard proof that he didn't know it wouldn't work?

      Not necessarily. He might done a cost/benefit analysis and determined that the publicity stunt would make him more money through his business than he would lose through identity theft.

  12. I don't understand courts... by nebaz · · Score: 1

    So he is being sued because he is the victim of identity theft? I could understand suing a company for defective service if some harm befell you from their service, but not if some harm befell someone ELSE for their service. I understand "deceptive advertising", but still, I think the lawsuit merit seems flimsy. (IANALBTW)

    --
    Rhymes that keep their secrets will unfold behind the clouds.There upon the rainbow is the answer to a neverending story
    1. Re:I don't understand courts... by Anonymous Coward · · Score: 0

      (IANALBTW) So you Are Not A Lying Big Talking Whippersnapper? So what...?
    2. Re:I don't understand courts... by Dachannien · · Score: 1

      The fact that he was also a victim of identity theft while a client of his own company is being cited as evidence that his deception was willful.

  13. Identity? by amccaf1 · · Score: 3, Funny

    Now, LifeLock customers in Maryland, New Jersey and West Virginia are suing Davis[...]
    Gee, let's hope they sue the right guy... They might accidentally sue the guy who stole his identity!

    --
    "Flag on the moon. How did it get there?"
    1. Re:Identity? by Anne_Nonymous · · Score: 1

      Why bother suing when you can just set up a monthly transfer of funds from his account to yours?

    2. Re:Identity? by Atriqus · · Score: 1

      So that was the master plan:

      1. Make fraudulent company
      2. Take money from customers
      3. Ensure own identity is stolen many times over.
      4. Make an escape with the cash when no one can find the legitimate you.

      No ???? needed for this one.

      --
      Hey, look! It's Bono's brother.
  14. Simpson moment... by s0litaire · · Score: 1

    Point at stupid PR Head..[Nelson] Haw! haw! [/Nelson]

    --
    Laters Sol "Have you found the secrets of the universe? Asked Zebade "I'm sure I left them here somewhere"
    1. Re:Simpson moment... by Stanistani · · Score: 1

      Wouldn't a 'Simpson moment' involve a knife and some leather gloves?

  15. Um, actually... by RandoX · · Score: 4, Informative

    According to The Consumerist, "...the CEO's personal information is currently being misused by at least 20 different identity thieves"

    1. Re:Um, actually... by TheRealMindChild · · Score: 1

      And how bloody terrible is the system then? I mean, this guy, out in the open said, "Steal my identity. Here is my social security number ...". THEN it got stolen. Not only did it get stolen, but the publicity of it being stolen is pretty encompassing. AND THEY STILL can't stop people from using it. Seriously... it is free money. And apparently there is NOTHING you can do to stop people from taking it. You can slow them down, possibly... but if they want it, you can't stop them. It is almost like the system is set up this way deliberately.

      --

      "When life gives you lemons, don't make lemonade. Make life take the lemons back!" -- Cave Johnson
    2. Re:Um, actually... by mentaldrano · · Score: 1

      What has he done? He now can plausibly deny ANY kind of fraud committed in his name.

      If I was a total scumbag I'd make a fortune (off the books, in cash) out of this.

  16. "Identify theft" needs a new name by sakdoctor · · Score: 4, Insightful

    ...cause seriously, it's bullshit. I mean this idea that my "identity" can be stolen. What this seems to be about to be is accountability. If a bank gives out money because someone duped them into believing that they were me, then the buck should stop with them. Their fuck up, their loss in a sane world.

    1. Re:"Identify theft" needs a new name by orclevegam · · Score: 4, Interesting

      And you can go to court and prove you're not responsible, but the monetary damages aren't the real problem. The problem arises because of the centralized credit agencies that score your "risk" for various banks and lenders. It doesn't matter if you never have to pay the money if your credit score is so abysmal you can no longer take out a loan for a new car or house. Not to mention there's the legal fees of proving you didn't do it even if it's fairly trivial to do.

      --
      Curiosity was framed, Ignorance killed the cat.
    2. Re:"Identify theft" needs a new name by plague3106 · · Score: 1

      Ok, so how do you prove to your bank it was you? Should every company require DNA samples? That wouldn't even work... so.. how do you prove someone is who they say they are. You act as if all this paperwork that everyone requires means something.

      My sister's brother was offically dead since birth. The doctor wanted to go on vacation, and filled out both the birth and death certificates, leaving the nurse to decide which one to enter a time on and file. Guess which one the nurse filed? It wasn't until his twenties he was able to "prove" to the government he was alive!

    3. Re:"Identify theft" needs a new name by Hankapobe · · Score: 1

      If a bank gives out money because someone duped them into believing that they were me, then the buck should stop with them. Their fuck up, their loss in a sane world.

      Unfortunately, the banks have lobbied for an insane World where they're not held accountable.

      And this case illustrates that even if you do the most drastic thing to protect yourself, freeze your credit (monitoring services are NOT as good), you can still get bit in the ass from folks who skip the credit checks at the bureaus.

      The part I really hate is that even after you get your identity "theft" cleared up you, the victim, will have to keep the paper work proving your innocence for the rest of your life. The banks don't have to shit. The police don't have to do shit. I have yet to see Social Security Administration issue a new SSN to a victim. Collection agencies can still call and then you, the victim, has to prove to them that it's not you.

      All that because banks, retailers, auto dealerships, etc... want to make it easy for you, the consumer, to go into debt to buy their shit. There is no other reason.

    4. Re:"Identify theft" needs a new name by sm62704 · · Score: 1
      Their fuck up, their loss in a sane world.

      We don't live in a sane world, we live in a corporate-funded asylum. Hints:

      -as a bumper stiker I saw today says, they pass a "PATRIOT act - protecting your rights by taking them away"

      giving money to both major candidates in a political race isn't a bribe

      an oil company in Britain can increase its profits by having its employees going on strike

      a group of people, half of whom attempt suicide, call themselves "gay"

      Companies sue dead people (RIAA labels)

      Companies sue their best customers (ibid)

      A human lifetime plus seventy five years is "a limited time" (US copyright)

      Silica gel that comes with electronics to keep moisture out is labeled "do not eat"

      An automobile company claims "we build excitement" (bad brakes and shitty handling?), another claims their cars are like rocks (Chevy)

      A non-violent drug offender goes to prison while a man who threatens and tries to kill another man with a butcher knife spends two weeks in the county jail

      ...and you wonder why if the bank screws up, you have to pay? Welcome to Bizarro World, also known as "the twenty first century".

      --
      mcgrew's razor: Never attribute to stupidity that which can be explained by greedy self-interest
    5. Re:"Identify theft" needs a new name by dave562 · · Score: 1
      All that because banks, retailers, auto dealerships, etc... want to make it easy for you, the consumer, to go into debt to buy their shit. There is no other reason.

      And to take it one step further... our entire economy is based on debt. If the bank loans you $1000, they can now use that loan of $1000 as an "asset" and loan that asset out to someone else. Thanks to fractional reserve banking, they can actually loan out the $1000 that they loaned to you out many times over.

      If you really want to trip out, realize that if everyone paid back their debt there wouldn't be any money left in circulation. Every dollar in existance today has been loaned into existance. Our money supply isn't backed by anything more than the belief that people will continue to exchange their labor for paper.

    6. Re:"Identify theft" needs a new name by orclevegam · · Score: 2, Insightful

      Public Key Infrastructure, it's not just for the internet anymore!

      --
      Curiosity was framed, Ignorance killed the cat.
    7. Re:"Identify theft" needs a new name by retupmoca · · Score: 1

      My sister's brother... Wait...what?
    8. Re:"Identify theft" needs a new name by plague3106 · · Score: 1

      Opps. That should be wife, not sister.

    9. Re:"Identify theft" needs a new name by RpiMatty · · Score: 1

      Thats one hell of a Freudian slip, ehh?

    10. Re:"Identify theft" needs a new name by Anonymous Coward · · Score: 0

      Mod this fucker up. Your identity isn't stolen; there's just some financial corporations being defrauded who in-turn attempt to blame you and I.

    11. Re:"Identify theft" needs a new name by Anonymous Coward · · Score: 0

      You're from Arkansas aren't you.

    12. Re:"Identify theft" needs a new name by LatencyKills · · Score: 1

      I agree with you 100% and would mod you up to 6 if it were possible. In college I had a roommate who's identity was stolen. Someone got a hold of his social, probably lifted from paperwork in some college office which were notoriously fast and loose with papers containing personal information, and got a drivers license and from there ran up about $2500 worth of bad checks around the state. He called the credit agencies - they didn't care. He called the police - they didn't care. Collection agencies hounded him, hefty legal documents threatening lawsuits showed up on our doorstep. He went to the stores and found one that had xeroxed the driver's license used by the thief - his name, his address, but the picture clearly an old black woman when my roommate was a young white guy. Now listen, I'm not asking for DNA checks at every store, but an old black woman named Dave claiming to be 20 years old? And couldn't the DMV at least realize that they've alreay issued a driver's license to that social, and maybe they shouldn't issue another one? One more point - up here stores have taken to accepting credit card purchases under $25 without a signature required for "my convenience." Here's the deal - if you're not going to get some proof that I'm the one who made the purchase, at least a crappy electronic copy of my signature, then I shouldn't have to pay it.

      --
      Jealously hoarding mod points since 2007.
    13. Re:"Identify theft" needs a new name by Timtimes · · Score: 1

      Spot on. This is a shifting of fiduciary responsibility on a massive scale. Total bullshit. Enjoy.

      --
      This ain't no upwardly mobile freeway This is the road to hell
  17. In other news ... by wsanders · · Score: 2, Insightful

    .. I drove my car into a tree at 70 MPH and I got hurt. Fuckers!

    Although you do have to be a bit of chump to pay $10 per month to lock your credit, the value is that the company will do all the work if your identity does get stolen. So unless the company is incompetent at that, I declare these people to be a bunch of whiners, with some ambulance chasing douchebag lawyer probably promising them great riches if they win.

    --
    Give a man a fish and you have fed him for today. Teach a man to fish, and he'll say "WHERE'S MY FISH, YOU IDIOT?"
  18. Great secuity by Anonymous Coward · · Score: 5, Funny

    1) Goto: https://secure.lifelock.com/enrollmentform.aspx 2) Enter ' or 1=1 or ' quotes included as the promo code. 3) ??? 4) Profit

    1. Re:Great secuity by nawcom · · Score: 3, Interesting

      1) Goto: https://secure.lifelock.com/enrollmentform.aspx 2) Enter ' or 1=1 or ' quotes included as the promo code. 3) ??? 4) Profit heh anyone actually done this? used this trick for free service? it says it will charge you $0 annually after all..
    2. Re:Great secuity by ZiakII · · Score: 3, Informative

      interesting enough also the word test works

    3. Re:Great secuity by s.bots · · Score: 1

      Haven't tried actually getting the service, but you can enter any true statement in between the or's for the $0 annual charge (i.e. ' or 1 or ', ' or 2+2=4 or ' etc.). Whoever designed that form made some major goofups.

    4. Re:Great secuity by Applekid · · Score: 3, Insightful

      Haven't tried actually getting the service, but you can enter any true statement in between the or's for the $0 annual charge (i.e. ' or 1 or ', ' or 2+2=4 or ' etc.). Whoever designed that form made some major goofups. And if they took that much care about that form, you can imagine how much quality and attention to detail the rest of their proprietary credit protection services have to offer.

      Oops, I guess I was the 800 lb. elephant in the room.
      --
      More Twoson than Cupertino
    5. Re:Great secuity by Anonymous Coward · · Score: 0

      try this too for something different:
      asdf

    6. Re:Great secuity by Anonymous Coward · · Score: 0
    7. Re:Great secuity by show+me+altoids · · Score: 1

      1) Goto: https://secure.lifelock.com/enrollmentform.aspx 2) Enter ' or 1=1 or ' quotes included as the promo code. 3) ??? 4) Profit I am studying website security for my job now. One of the main attacks in the literature is called an "SQL Injection." I never quite understood exactly what that meant, but the parent just presented a perfect example. Thank you, AC!
      --
      I feel sorry for people that don't drink, because when they get up in the morning, that's as good as they're gonna feel
    8. Re:Great secuity by Anonymous Coward · · Score: 2, Informative

      I never quite understood exactly what that meant, but the parent just presented a perfect example. Thank you, AC!

      That is not SQL injection.

      It's ASP script injection. But the principle is the same.

    9. Re:Great secuity by Anonymous Coward · · Score: 0

      The promotional code 'free' (no quotes) gives you the first 30 days free lol.

    10. Re:Great secuity by show+me+altoids · · Score: 1

      Thanks for the clarification.

      --
      I feel sorry for people that don't drink, because when they get up in the morning, that's as good as they're gonna feel
    11. Re:Great secuity by Anonymous Coward · · Score: 2, Interesting

      When the CEO of Lifelock was first interviewed on NBC, they contracted with the call center I was a software engineer for to sign people up over the phone or lead them through the sign-up process if they wanted to do it themselves online but needed a little "hand-holding." Rather than allowing us to set up a secure connection, they had our phone jockeys use the Lifelock website to sign people up. Very quickly, we had people calling us and telling us that they were getting strange error messages. One client sent us a screenshot. It had a list of lifelock clients and all of their information. Including their social security number. That first day, we had several people tell us they had received a list like that. So, I checked out their website. It was transmitting all information in the clear. No ssh connection, no encryption, nothing! Worse, their own server was apparently confusing which connection was which as their server was bouncing whole pages of client info back to the computers of people attempting to sign up. The smart ones took the hint and never signed up. The ones that boggle my mind are the ones that persisted even after this.

    12. Re:Great secuity by TheSpoom · · Score: 1

      Eh, the underlying idea is SQL injection. It could work just as easily on an equally unprotected PHP script.

      --
      It's better to vote for what you want and not get it than to vote for what you don't want and get it.
      - E. Debs
  19. I DARE you crackers! Double dog dare you! by sm62704 · · Score: 4, Funny

    For two years, Davis has been daring hackers to steal his ID.

    Child's play. I bet you dumbsassses aren't good enough to shuttle $5,000,000 into my bank account, losers! I dare you! I double dog dare you!

    --
    mcgrew's razor: Never attribute to stupidity that which can be explained by greedy self-interest
    1. Re:I DARE you crackers! Double dog dare you! by athdemo · · Score: 5, Funny

      Fine, I accept your challenge. Now, just give me your bank account info...

    2. Re:I DARE you crackers! Double dog dare you! by Mr.+Sketch · · Score: 5, Funny

      Well, since I cannot refuse a double dog dare, I'll first need your account number and routing number to proceed with the deposit.

    3. Re:I DARE you crackers! Double dog dare you! by Cajun+Hell · · Score: 4, Funny

      I bet I can do that, but I need you to advance me $500 to cover a transaction fee.

      --
      "Believe me!" -- Donald Trump
    4. Re:I DARE you crackers! Double dog dare you! by sharkey · · Score: 2, Funny

      NOW it was serious. A double-dog-dare. What else was there but a "triple dare ya"? And then, the coup de grace of all dares, the sinister triple-dog-dare.

      --

      --
      "Outlook not so good." That magic 8-ball knows everything! I'll ask about Exchange Server next.
    5. Re:I DARE you crackers! Double dog dare you! by Innova · · Score: 2, Funny

      No problem...just post your SSN below...

    6. Re:I DARE you crackers! Double dog dare you! by oahazmatt · · Score: 2, Funny

      Fine, I accept your challenge. Now, just give me your bank account info... Oh wow! Nigeria's Minister of Finance posts on Slashdot!
      --
      Those who believe the Internet is private,
      find their privates are on the Internet.
    7. Re:I DARE you crackers! Double dog dare you! by Anonymous Coward · · Score: 0

      No can do... I already sent my stimulus check to help a few Nigerians.

    8. Re:I DARE you crackers! Double dog dare you! by Anonymous Coward · · Score: 0

      I accidentally sent you a check for $1000 to cover the $500 transaction fee, go ahead and deposit that check and send me back the $500 change. Matter of fact why don't you go ahead and western union back that $500.

  20. Actual Purpose of Life Lock by Blitz22 · · Score: 2, Informative

    IIRC the service is not supposed to be an iron clad prevention of ID theft, but rather part prevention and part insurance should you become a 'victim' of ID theft. Meaning that you will have your credit ID repaired at no charge up to $1000K.

    If that's the case, these people have no grounds for a lawsuit. (IMO, IANAL)

    --
    If I went around claiming I was an emperor...they'd put me away!
  21. The news is... by dhj · · Score: 5, Informative

    The new news is that he is being sued. The old news is that identity thieves took his identity. The summary mentions the new part, but the title is poorly chosen. From TFA:

    - Atty David Paris is seeking class action lawsuit against founder Todd Davis in MD, NJ and WV for

    - Also being sued in AZ over the 1 million dollar "service guarantee" because it is being misrepresented and only covers "defects in lifelock's service" and not actual identity theft. which they are misrepresenting.

    - Experian is accusing LifeLock of deceiving customers about their breadth of service because all they do is put a fraud watch on your credit record every 90 days which is something anyone can do with the agencies for free themselves. The only thing this protects you from is credit fraud which where an initial credit check is performed -- and incidentally means if you actually want a change in credit, a cell phone, car, etc you have to contact the credit agency ahead of time so they will allow it.

    --David

    1. Re:The news is... by frank_adrian314159 · · Score: 5, Funny
      The new news is that he is being sued. The old news is that identity thieves took his identity.

      Well, then, he doesn't have to worry, then, huh? Because they'll be suing the thieves! Right? Right?

      --
      That is all.
    2. Re:The news is... by JayAitch · · Score: 1

      anyone can do with the agencies for free themselves

      What are these free ones? The only ones I see claim to be free then sign you up for a monthly fee on your credit card.

    3. Re:The news is... by orclevegam · · Score: 5, Informative

      You need to go to the credit reporting agencies directly not through intermediaries. Since there are three major agencies you'd have to contact them separately and sign up for each of their credit protection plans. This shouldn't be confused with the "credit protection plan" that the credit card companies are always trying to shove down your throat, or similar services for other companies, as the former is really a form of insurance in case you become unemployed or otherwise unable to pay off your card for a time, and the later are just companies that are trying to make money by offering a centralized more "convenient" way to sign up for the free fraud reporting offered by the credit agencies (for a monthly fee naturally).

      --
      Curiosity was framed, Ignorance killed the cat.
    4. Re:The news is... by Jason+Levine · · Score: 3, Interesting

      Fraud watches aren't 100% security from credit fraud also. A fraud watch is actually voluntary. It means that the credit issuer should be careful and double-check whether a certain application is really from the person it claims to be from. However, some issuers ignore the fraud watches and will issue the credit anyway.

      The best protection is freezing your credit. That way, no one can check your credit or add new lines of credit. If you want to do anything involving your credit (open a new credit card, get a loan, get a background check), you would then need to unfreeze your credit and refreeze it when the activity was completed. Unfortunately, this costs $5 per action per agency per person. So if a husband and wife want to freeze their credit, it is $5 * 3 (credit agencies) * 2 (people), or $30. If they then want to unfreeze their credit, get a car load, and then refreeze their credit, it would cost $60.

      There was a bill awhile back that would have made this free, but the credit industry lobbyists got it killed. After all, if you freeze your credit then you can't sign up for a new credit card at the checkout line of a store to get 10% off your purchase. And that means that you are less likely to have lots of credit card debt interest to pay off. And that means less profits for them.

      As far as ID theft is concerned, they honestly don't care. If your identity gets stolen, it's your problem. You need to spend the time and money to prove to them that something went wrong. Any losses due to cards issued during ID theft are written off (or sent to a collection agency to hassle the ID theft victim and further negatively impact their credit rating).

      Todd Davis is just lucky that he wasn't a victim of Criminal Identity Theft.

      --
      My sci-fi novel, Ghost Thief, is now available from Amazon.com.
    5. Re:The news is... by j00r0m4nc3r · · Score: 3, Funny

      What are these free ones? The only ones I see claim to be free then sign you up for a monthly fee on your credit card.

      Send me $10 and I'll tell you about the free ones.

    6. Re:The news is... by fishbowl · · Score: 2, Interesting


      >- Also being sued in AZ over the 1 million dollar "service guarantee" because it is being misrepresented and only
      >covers "defects in lifelock's service" and not actual identity theft. which they are misrepresenting.

      That's interesting because Arizona has a Doctrine of Reasonable Expectations that permits parol evidence even in cases where a contract has a merger clause that would otherwise exclude parol evidence.

      That means, if a salesperson said something other than what was stated in the contract, the company can be held to the salesperson's word even if the contract specifically says otherwise. This rule applied to cases involving contracts of adhesion (typical consumer "take it or leave it" contracts where no negotiation is offered or accepted.) Even with a merger clause (language that says, essentially, "only the words in writing in this contract are part of the contract", in contracts of adhesion, anything that either party agreed to while negotiating, is admissible evidence.

      If a salesperson for Lifelock ever said to a customer "the company guarantees you will no be a victim of identity theft or we will pay you one million dollars", it's part of the contract, in Arizona.

      I don't know how far "misrepresentation" would get, since I'd be quite surprised if the contract wasn't clearly written. But parol evidence and careless salespeople could be devastating to them.

      --
      -fb Everything not expressly forbidden is now mandatory.
    7. Re:The news is... by delong · · Score: 1

      The only thing this protects you from is credit fraud which where an initial credit check is performed -- and incidentally means if you actually want a change in credit, a cell phone, car, etc you have to contact the credit agency ahead of time so they will allow it

      This is not true. A fraud watch, as the spokesman for the company obviously discovered to his detriment, does nothing to prevent a creditor from giving credit. A creditor does not even have to call you to verify with a fraud alert. Only a credit security freeze will block a creditor from giving credit without your approval, and Lifelock doesn't do those.

      Lifelock is worthless.

    8. Re:The news is... by ahabswhale · · Score: 3, Informative

      Actually, all you have to do is contact any one of the credit reporting agencies and report that you believe fraud has occurred on one of your credit accounts (whether it has or not is irrelevant). This is usually all done via automated phone system and you won't be talking to a human being. They will automatically perform the freeze and contact the other two agencies to do the same thing. It's pretty damn simple.I

      I've actually done this. None of it costs so much as a dime. LifeLock and the like are complete rip-offs.

      --
      Are agnostics skeptical of unicorns too?
    9. Re:The news is... by jeepien · · Score: 1

      The best protection is freezing your credit. That way, no one can check your credit or add new lines of credit. ... Unfortunately, this costs $5 per action per agency per person.... There was a bill awhile back that would have made this free, but the credit industry lobbyists got it killed. That may be true on the federal level, but there are state laws that may apply. In New Jersey, for example, you can put a freeze on all three of your accounts for nothing, and later release them as required, if, say, you're buying a car or opening some other sort of account.
    10. Re:The news is... by skarphace · · Score: 4, Funny

      Send me $10 and I'll tell you about the free ones. That's a steal! Now send me your name, address, and uhh... social security number so I can send that $10 right out.
      --
      Bullish Machine Tzar
    11. Re:The news is... by discogravy · · Score: 1

      Send me a bill, to the attention of Todd Davis.

    12. Re:The news is... by Anonymous Coward · · Score: 0

      Just give me your bank account number and routing number, you can keep your SSN to yourself.

    13. Re:The news is... by Anonymous Coward · · Score: 0

      So I think the solution is that energy needs to be spent trying to ruin the credit of senators, congress persons, state leaders, etc. Maybe that will wake them up....

    14. Re:The news is... by New_Age_Reform_Act · · Score: 1

      We need a centralized single database system like Europe does.

      And of course, we need centralized nation-wide single criminal record database for federal and all 50 states.

      To prevent criminal identity theft, we need legislation to provide security freezes on your criminal record. So nobody will be able to modify or read it without your permission.

      --
      "The New Age. The New Beginning."
    15. Re:The news is... by Chowderbags · · Score: 1

      How about this statement: "If anything happens while you're a client of LifeLock we will cover all losses and all expenses up to one million dollars." It's right in their commercial: http://www.youtube.com/watch?v=lXANhTH_oSo If they're not lying when they say that, they're certainly not telling the whole truth.

    16. Re:The news is... by fishbowl · · Score: 1

      "How about this statement: "If anything happens while you're a client of LifeLock we will cover all losses and all expenses up to one million dollars." It's right in their commercial"

      Yes. In Arizona, in particular, that is admissible as parol evidence, precisely because the customer is not given any meaningful opportunity to alter the contract before it is signed. However, this also means that the person making the claim can document costs associated with their expectations, after persuading a jury as to what those expectations actually were.

      --
      -fb Everything not expressly forbidden is now mandatory.
    17. Re:The news is... by mrchaotica · · Score: 1

      To prevent criminal identity theft, we need legislation to provide security freezes on your criminal record. So nobody will be able to modify or read it without your permission.

      That'd be real convenient for criminals: "No, police, you are not allowed to add this offense that I've just been convicted of to my record!"

      --

      "[Regarding the 'cloud,'] ownership was what made America different than Russia." -- Woz

  22. Instead of 'HaHa'.... by mpapet · · Score: 1

    It's ironic and sad that 'HaHa' and 'stupid' form the basis of all the comments so far.

    1. There's no interest in more transparency on the whole process of identity authentication and credit/finance scoring. None!

    2. The groupthink on this hasn't changed one bit. In most cases, "It sucks to be you." In this case, I'd call it clever Marketing that's only making him richer.

    --
    http://www.maxineudall.com/2010/02/should-economists-be-sued-for-malpractice.html
    1. Re:Instead of 'HaHa'.... by orclevegam · · Score: 1

      1) I think it's more of a combination of outrage that gradually fades into apathy at the state of the credit industry. I'm sure everyone here can agree the credit system is in shambles and needs to be fixed, but exactly how to go about doing that, and who needs to be contacted to get the ball rolling is the problem.

      2) It's that clever marketing bit that seems to be the issue here, as one mans clever marketing is another mans fraud. As for the "It sucks to be you.", it's everyone laughing at the guy getting bit by his own scam. In essence everyone knows he's selling snake oil, so it's ironic when he himself is proof that it doesn't work, and as we all know, irony is funny.

      --
      Curiosity was framed, Ignorance killed the cat.
  23. protection without paying money by bcrowell · · Score: 3, Informative

    There are some pretty straightforward things you can do to protect yourself from identity theft, without paying any money.

    You can opt out of getting unsolicited credit card offers at optoutprescreen.com. (Here is a link to them from an FTC web page so you can tell they're legit.)

    You can also make a habit of getting an annual free credit report from annualcreditreport.com. This can help you to detect if something goofy is going on. (Link from FTC. It's run by the credit reporting companies, and as you go through the process, they'll try hard to sell you on getting non-free services as well. You have to watch carefully, and not accept the defaults.)

    IIRC there is also a process for locking your credit reports completely, but it costs money unless you can demonstrate that you've already been a victim of fraud.

    1. Re:protection without paying money by Anonymous Coward · · Score: 1, Funny

      How do YOU know that my web browser will go to the actual FTC site? How do you know they have not been hacked? My god, i'm paranoid!

    2. Re:protection without paying money by Dachannien · · Score: 1

      Here's a shorter and easier-to-remember link that also includes warnings about scam sites:

      http://www.ftc.gov/freereports

    3. Re:protection without paying money by stickyc · · Score: 1
      You can also make a habit of getting an annual free credit report from annualcreditreport.com. [annualcreditreport.com] This can help you to detect if something goofy is going on.

      I wholeheartedly second this with the caveat to read everything very carefully when signing up for a free credit report. These companies all make money off of up-selling you to paid ongoing credit monitoring services and they make every possible effort to sign you up for such services as part of the free report process (and likewise make every effort to defeat you from canceling the service afterward).

    4. Re:protection without paying money by Anonymous Coward · · Score: 0

      Actually, you can get a free report 3 times a year: one report per year per major bureau.

  24. identity theft legal? by Anonymous Coward · · Score: 1, Interesting

    so since he sanctioned it and put no definitive expiry, is it then legal to steal his identity forever?

    1. Re:identity theft legal? by orclevegam · · Score: 1

      No one ever said it was legal to steal his identity. I'd suggest you re-read TFA (or perhaps read it for the first time). Actually you don't even need to do that, read the summary again.

      --
      Curiosity was framed, Ignorance killed the cat.
    2. Re:identity theft legal? by Anonymous Coward · · Score: 0

      how is that in the summary exactly?

    3. Re:identity theft legal? by orclevegam · · Score: 2, Insightful

      how is that in the summary exactly? ... the summary didn't say anything at all about stealing his identity being legal. It's that he's being sued for essentially selling a product he knows is snake oil. The only reason identity theft is even an issue here is because that's what his service is supposed to prevent against (and demonstrably doesn't).
      --
      Curiosity was framed, Ignorance killed the cat.
    4. Re:identity theft legal? by nebosuke · · Score: 1

      The original parent of this thread was referring to his ad campaign 'daring' identity thieves to steal his identity. The question is whether this provides an affirmative legal defense to any identity thieves who take him up on the challenge and get caught, and, if so, for how long? Until he is no longer CEO of or associated with Lifelock? Until he dies?

  25. HA HA by Anonymous Coward · · Score: 0

    Karma is a bitch!

  26. Loan Sharks getting under the wire of the law. by Hankapobe · · Score: 1
    Not exactly a reputable type of business in general.

    They are actually illegal in many states because it's considered loan sharking.

  27. I once worked with Todd Davis... by Anonymous Coward · · Score: 0

    ...at a former job back in the early 1990's. He seemed like basically a good guy, not a genius by any means, but bright enough, and ploddingly persistant at problem solving. Back then I never would have expected him to ever become the suit and tie corporate exec type, but rather most likely to have become some kind of milquetoast programming/development leader, sales manager or project manager type. I guess life sometimes throws the curveball of fortune in the most unexpected directions. Todd ended up becoming a lot more successful than I have done... a mere engineer.

  28. The news is... still somewhat of an old story... by Wister285 · · Score: 1, Interesting

    I think this is just a pretty good example of how litigious our society is. The courts are more like a lottery, not a justice system.

    This guy has been BROADCASTING his Social Security Number for a long time and it was finally compromised. That seems pretty good to me. Maybe this wouldn't have happened if he wasn't BROADCASTING his Social Security Number nationally and daring identity thieves to do their worst. For a normal person, I think this service would probably do a good job so long as you aren't giving everyone your Social Security Number.

    The Experian story is interesting, but I think we need more information before making any judgments on that.

    We seriously need tort reform in this country. That's the real story.

  29. To be fair... by jd · · Score: 1
    ...to use your example, it would be as if the car company had explicitly laid down hard guarantees that you could ram the car into as many trees as you liked at 70 mph and you would never be hurt, AFTER their own crash-tests had demonstrated that getting hurt was not only possible but very very likely.

    Their claim, after all, is not that they were hurt, but that the company selling the product (allegedly) falsified information, concealed evidence of that falsification, and then sold products based on that falsehood. Most nations have lemon laws, but the US is generally not so great in that department, which is why - say - lawsuits against drug companies are possible after serious injury or death, but lawsuits over the suppression of studies which demonstrate injury or death (ie: proving the product is a lemon) simply don't happen. This means that their chances of success are very limited. They have not been subject to the injury claimed, and the selling of bogus products is a normal, everyday practice. I don't agree with that being the case, but the courts are likely to take into account that the consumer has neither a right nor a reasonable expectation of truth or honesty, as things stand.

    --
    It's a small world and it smells funny; I'd buy another if it wasn't for the money; Take back what I paid (SoM)
    1. Re:To be fair... by wsanders · · Score: 2, Informative

      Except the lifelock guarantee says nothing of the sort. Just like the auto companies advertise only that their cars have safety features, not that they will protect me under all circumstances. Their guarantee even foresees that customer's identities will be stolen.

      http://lifelock.com/lifelock-for-people/how-we-do-it/how-does-the-guarantee-work:

      "Our Total Service Guarantee is simple. In the unfortunate event your identity is misused while you are a LifeLock member, we will reimburse direct expenses you incur and pay professionals to resolve the problem for you - up to $1 million"

      So, unless they are refusing service to paid up customers who actually had their identity stolen, I still call "ambulance chasing".

      --
      Give a man a fish and you have fed him for today. Teach a man to fish, and he'll say "WHERE'S MY FISH, YOU IDIOT?"
  30. Re:The news is... still somewhat of an old story.. by orclevegam · · Score: 2, Insightful

    The issue is that he became a victim of identity theft quite a while ago, and not just once but many times. He advertises that his company will protect you from identity theft, but it quite clearly doesn't. Because he himself was a victim, but he continued to advertise that he was being protected, he obviously knew his service didn't work, so promoting it as such is false advertising. There's also the issue that the company apparently is making claims about the services it provides that it doesn't actually provide.

    --
    Curiosity was framed, Ignorance killed the cat.
  31. Experian Deception with FreeCreditReport.com by Ron+Bennett · · Score: 4, Interesting

    Ironic to read that Experian is complaining about LifeLock's practices when, in my view, Experian itself engages in deception far worse with their costly FreeCreditReport.com website that many people confuse with the truly free AnnualCreditReport.com.

    Ron

    1. Re:Experian Deception with FreeCreditReport.com by Dachannien · · Score: 3, Informative

      Thanks for posting this. Those commercials really annoy me, in part because that punk driving the car has a face you'd love to beat with a baseball bat, and in part because Experian acknowledges that their entire operation is a scam (they've already settled with the FTC once already) but they're still at it.

    2. Re:Experian Deception with FreeCreditReport.com by sporkme · · Score: 1

      My uncle got the "free" credit report from freecreditreport.com, but did not read the fine print. He could not get them to cancel the account online or on the phone. It took me about 20 minutes speaking for him with their phone-in customer service to cancel the monthly recurring charges of $15 to his bank account.

      Cancellation policy and procedure is not clearly stated on the website... they are real jerks.

  32. Re:The news is... still somewhat of an old story.. by ehrichweiss · · Score: 5, Interesting

    His identity was stolen pretty quickly after he started advertising his SSN. I read elsewhere that his credit is sooo screwed up that the major agencies report his DOB as around 1943 or something and that there have been no less than 5 drivers licenses issued under his identity in various states. That doesn't sound like it remotely did what it was supposed to.

    --
    0x09F911029D74E35BD84156C5635688C0
  33. the nerve by petershank · · Score: 2, Funny

    Paris noted that LifeLock charges $10 a month to set fraud alerts with credit bureaus, even though consumers can do it themselves for free.
    Yeah, that's pretty damning. Similarly, I have it on good information that certain businesses calling themselves "taxi services" charge a few dollars per trip to convey people from one location to another, even though consumers can walk for free.
    1. Re:the nerve by AK+Marc · · Score: 2, Insightful

      Similarly, I have it on good information that certain businesses calling themselves "taxi services" charge a few dollars per trip to convey people from one location to another, even though consumers can walk for free.

      Great, and when you hire one of these so called "taxi services" and they show up with a rickshaw and you get there at walking speed, are you going to feel cheated? After all, they never guaranteed a specific speed, and they got you there at exactly the same time as if you'd walked yourself, but you saved the trouble of walking. That's worth an eternal fee, right?

    2. Re:the nerve by petershank · · Score: 1

      Great, and when you hire one of these so called "taxi services" and they show up with a rickshaw and you get there at walking speed, are you going to feel cheated? After all, they never guaranteed a specific speed, and they got you there at exactly the same time as if you'd walked yourself, but you saved the trouble of walking. That's worth an eternal fee, right?


      There's at least some value in being able to read a newspaper during the rickshaw ride, which you can't do (as easily or safely) while walking and crossing intersections.

      Nevertheless, is that what happened? LifeLock implied one level of service and provide a lesser service, or none at all? TFA is vague, and I'm not an expert on LifeLock. I thought they charged for the convenience of continually renewing your "alert me when my report is accessed" settings at the credit bureaus. If that's what they charge for, why are they liable when a payday loan operator chooses not to access your credit report?

    3. Re:the nerve by AK+Marc · · Score: 1

      I thought they charged for the convenience of continually renewing your "alert me when my report is accessed" settings at the credit bureaus. If that's what they charge for, why are they liable when a payday loan operator chooses not to access your credit report?

      Because they imply that their "service" will make an identity secure. They have a guarantee to that effect. This is false advertising because, though it may be an improvement over the unsecured, it still has many exploits available. These exploits are known (proven through the fact that they have been used successfully many times against the president of the company) and not disclosed. They misrepresent what they do through implications that they are necessary for that service. If they said "we will lock your account with the major credit services for you for a fee" there wouldn't be a problem. They aren't selling the service of the free-lock repeated. If they sold that service and let people know exactly what they were doing, more people would elect to do it themselves. So they sell "security" which they implement with a free service. It is this "security" product that fails. And they know it fails. And they advertise it as secure while knowing it fails, and give no disclaimers, cautions, or such. That is a form of deceptive advertising and quite actionable.

  34. Re:The news is... still somewhat of an old story.. by Wister285 · · Score: 1

    Well, if this is the case, that's another thing entirely.

  35. ID is not stolen until... by Anonymous Coward · · Score: 0

    Until someone has destroyed his credit and created debt all over the place that he has to fight for and spend ridiculous amounts of time trying to recover from, his ID is not stolen.

    Until someone does that to me, my identity is safe. So is my $10/month that I'm not spending for this virtual snake oil.

    Jacob Lewis
    23 Devon St
    Billerica, MA

    032-96-4388

    1. Re:ID is not stolen until... by orclevegam · · Score: 3, Insightful

      I can't decide if this is someone trolling, a clever personal attack (utilizing /. to do your dirty work), or a genuine moron.

      --
      Curiosity was framed, Ignorance killed the cat.
    2. Re:ID is not stolen until... by Dash_Rantic · · Score: 1

      Troll, it seems...

      A Google search for that address turns up no useful results, Google Maps/Mapquest/what have you cannot find the address either.

      Fake name, fake address, AC commentator. Fake troll.

      --
      I'm going to get out of this place alive, even if it kills me!
  36. The REAL news. Beware anything touched by Maynard. by Anonymous Coward · · Score: 0

    The real man behind this company is Robert Maynard, Jr.

    Yes, the man who was also behind Internet America ISP back in the mid-late 1990's.

    You really MUST read this Phoenix newspaper story about Maynard.

    You'll be quite enlightened as to what he's all about.

  37. Thanks. by mr_3ntropy · · Score: 0

    Yeah. That really cleared it up for me.

    1. Re:Thanks. by nelsonal · · Score: 4, Informative

      Here's the info for all three. This is regulated by the states so it's possible that you might not be able to initiate this from your state. http://www.bankrate.com/brm/news/cc/20030613c2.asp Experian has a handy online form for you to do it. https://www.experian.com/consumer/cac/InvalidateSession.do?code=FREEZE

      --
      Degaussing scares the bad magnetism out of the monitor and fills it with good karma.
    2. Re:Thanks. by reboot246 · · Score: 1
      Thanks for the links. As of about 10 minutes ago your credit is frozen. :-)

      No, seriously, I wish everybody in the country could read this discussion and realize how easy it is to take care of your own credit. You don't need a third party to do it for you. Thanks again.

  38. That's my SSN by Anonmyous+Coward · · Score: 1

    He's actually a total liar that deserves whatever he gets. 457-55-5462 is actually MY social security number. The @#$( feds just arrested me right in front of everyone at the meat packing plant where I worked and sent me to Mexico because they said I had a fake SSN. The @$$ Mr. Davis is the real identity thief! Oh well, at least this probably means I won't have to finish pay for that BMW I bought on credit last month.

  39. Not a problem by WindBourne · · Score: 1

    I will need your bank account number and your SSN. In addition, to get this money out of nigeria, you will first need to wire me 5000 to make this possible.

    --
    I prefer the "u" in honour as it seems to be missing these days.
  40. Submit a Bogus Tax Filing by Anonymous Coward · · Score: 1, Funny

    Here's my idea... submit a bogus tax filing in April using his Social Security number. It's not the same as stealing his identity, but could cause a headache regardless...

    The point being, you shouldn't give out your social security number.

    Anyone else have any ideas?

    1. Re:Submit a Bogus Tax Filing by lazarusdishwasher · · Score: 1

      Convince the Social Security Administration that he is dead? http://www.wsmv.com/news/15357541/detail.html

  41. HA!!! Goes to show by kcredden · · Score: 3, Insightful

    As soon as I started hearing this, I thought this is a load of...well you know. I knew very well, there is no way possible that you can make an unhackable Internet connected computer system, at least not without HUGE costs (government maybe?) Especially because the way these companies do it. I doubt there was any encryption, much less firewalling, and other security. Just goes to show, P.T. was right on the money here. Best way to not be ID ripped off? Don't store your ID online, period. No cracker can get in, if it's not connected to the net. - Kc

    --
    -- Kevin C. Redden kcredden@ gmail 392992 .com (take out the 392992 for e-mailing me. Spam control)
  42. Read the contract BEFORE signing up. by thejuggler · · Score: 1

    Actually LifeLock does more that just file Fraud Alerts on your behalf. The also get your information removed from marketing mailing lists, telemarketing lists and now they are attempting to check known sources of stolen identity information to see if your info has been stolen.

    LifeLock only works if those granting credit actually check with the credit bureaus. If a loan shark or other such lender just loans someone money on a signature note with out any verification then anyone can still target your identity and hurt your credit rating. No one can stop that with out mandating that those businesses use the credit bureaus or they forfeit their right to collect if they did not verify the person identity.

    And yes, I am a subscriber to LifeLock. And yes, the amount of junk mail that I receive has fallen dramatically. The same with the number of telemarketing calls. The only side-effect so far is that I have less paper to shred. I'd rather not deal with contacting every credit bureau or marketing company. To me it's worth the $10 a month.

    The contract clearly states what is and is not covered as far as identity or credit theft. If your not happy with what they cover then don't sign up for the service. No company should be held liable for your not wanting to read the contract or worse, your lying in the sign up process and claiming you read the contract when you didn't. My wife and I scoured the contract (which was written in plain English) before signing. We knew the limitations and benefits before signing. No one coerced us to sign up and no one lied about what service they provided.

    Be responsible for your actions people.

    1. Re:Read the contract BEFORE signing up. by MillionthMonkey · · Score: 1

      And yes, I am a subscriber to LifeLock.

      Oh yeah? What's your Social Security number then?

    2. Re:Read the contract BEFORE signing up. by Anonymous Coward · · Score: 0

      Be responsible for your actions people.
      You really think that people clamoring for a president that's going to make sure the government will take care of everyone's problems have any desire to be responsible for their actions? Not likely.
    3. Re:Read the contract BEFORE signing up. by Bryansix · · Score: 1

      Just FYI, You can unsubscribe from the mailing lists for free by contacting the credit bureaus directly. There is also a company called DMA that let's you opt-out at https://www.dmachoice.org/MPS/proto1.php

    4. Re:Read the contract BEFORE signing up. by thejuggler · · Score: 1

      Publicly disclosing your SSN is a violation of the contract and may void your contractual right to file a claim against LifeLock for identity theft.

      That clause is in the contract. All you have to do is read the clear plain English.

    5. Re:Read the contract BEFORE signing up. by bcdm · · Score: 1
      So let me get this straight.

      1) Public disclosure of your SSN is a violation, making your contract null and void.

      2) The CEO of the company appears in ads touting just how good his product is...by PUBLICLY DISCLOSING HIS SSN.

      Does no one else see a problem with this? Anyone? Anyone? Bueller? Anyone?

      --
      I can has sig?
    6. Re:Read the contract BEFORE signing up. by darthflo · · Score: 1

      The ad clearly discourages people from publicly disclosing their SSN. It's a bit like Jackass -- interesting things are done by professionals who proceed to discourage viewers from repeating said things.

      I'm pretty sure normal customers could get an extended contract for a few grand more -- risky behaviour deserves jacked up rates. Auto insurance for a racecar driver or medical for a stunt man should be more expensive because they are way more probable to create lots of expenses.d

    7. Re:Read the contract BEFORE signing up. by darthflo · · Score: 1

      Also, discussion2 has a bug: Text entered after clicking the "Preview" button, before the textbox disappears to make room for the actual preview isn't displayed there but submitted anyway. PoC: the trailing d in parent.

    8. Re:Read the contract BEFORE signing up. by Anonymous Coward · · Score: 0

      You really think that people clamoring for a president that's going to make decisions based on fanatical stories in 2000 year old works of fiction are any more interested in being responsible? Expecting God to come down and save you from the F'd up world they themselves are creating by repeatedly voting horribly greedy and corrupt "leaders" is about as irresponsible as it gets. Even worse, it is the type of irresponsibility that negatively affects hundreds of millions of people across the entire globe.

      I'm pretty sure socialized healthcare and taking care of those less fortunate within our own borders hasn't been responsible for hundreds of thousands of innocent deaths, record shattering treasury debts, and the complete destruction of an otherwise functioning sovereign nation.

      But zomg, those crazy liberals and their healthcare plans. Teh end is near!

  43. If you ever even considered using LifeLock... by DiscipleN2k · · Score: 5, Informative

    Step 1: Call Experian (1-888-397-3742) and have them put a fraud alert on your file. They'll pass it on to the other 2 credit bureaus (Equifax: 1-800-525-6285 & TransUnion: 1-800-680-7289).

    Step 2: Repeat step 1 every 90 days.

    Step 3: Save $120 a year by doing everything LifeLock does all by yourself.

    (I know, I missed the obvious, "Step 3: Profit!" joke)

  44. Re:The news is... still somewhat of an old story.. by Bryansix · · Score: 1

    So in other words the DMV is every state is completely incompetent? I KNEW IT!

  45. billionaires for tort reform! by globaljustin · · Score: 5, Insightful

    good example of how litigious our society is

    I understand where you are coming from, and I agree, but torts are way down on the list of court reform issues that need to be addressed. Federal, State, and local Attorney's offices are the worst offender here, with large companies being a close second. Our criminal justice system is basically a plea bargain system now, it's so gamed and rigged by the DA's that any notion of a person accused of a crime having a 'fair day in court' is reserved only for the very rich who can afford $50,000+ lawyers. The RIAA, MPAA with their frivolous lawsuits are just as bad.

    The common thread here is that the courts have become another way to abuse everyday citizens in our country for political and financial gain, or even worse, for Public Relations.

    To the lawsuits mentioned in this story, I think the litigants in this lawsuit deserve their day in court. Part of me is glad his identity was stolen. Anyone who knows about how identity theft works (even at a cursory level), knows that the services this guy was pedaling were complete vaporware. His company was taking advantage of a climate of fear and he inadvisably believed his own hype. Granted, courts do get it very wrong sometimes, and we always need to make sure we provide ways to rectify those situations, but I do not think this case is in that territory.

    It is wrong to mislead people using their irrational fears and ignorance. Yes. It is wrong. Alot of people in our society seem to think that it's ok to do this...that's what I think needs reform!
    --
    Thank you Dave Raggett
  46. What does their $1,000,000 "guarantee" mean? by dpbsmith · · Score: 1

    I was looking at their"guarantee."; I'm not sure what, exactly, they actually are promising. It might not be very much.

    In part: "We will pay up to $1,000,000 to cure the failure or defect in our service.... We will not reimburse special, incidental, indirect or consequential damages, such as lost wages or profits, loss of business, or lost opportunities.... If you are our member when someone accesses your personal identifying information and subsequently uses it without your authorization to commit a fraud, due to a failure or defect in our Service, and you have complied with this Agreement, subject to the terms herein, we will pay professionals to assist in restoring any such loss or recover such expenses, as required."

    Any lawyers out there? What happens if the professionals' assistance, however well-meaning, fails to result in your recovering the loss? At that point would they have to pay for your loss themselves in order to "cure the defect" in the service?

    And what's a "professional?" Naturally, one thinks of lawyers or licensed private detectives, but maybe it just means having their own paid staff call your credit-card companies to report the fraud... inform companies that the change of address they have for you was fraudulent and ask them to stop payment on the checks they mailed... trivial stuff like that...

    1. Re:What does their $1,000,000 "guarantee" mean? by slashname3 · · Score: 1

      This is about the same as the termite protection guarantees that Sears, Terminx and other termite companies provide. If you happen to get termites, see a swarm in a room or have base board break, they come in and fill the holes with spackle and paint over it. They don't open up the wall to see that the support beams have been half eaten or the other damage that may have been caused. That is why they can provide a million dollar guarantee, they never spend more than a few dollars on spackle and paint to repair anything.

      I remember when this first happened, the guy had his identity stolen in short order. But they still are in business because it is a numbers game. There are so many suckers out there that are willing to pay for stuff that does not work that they can keep going even when large portions of the population know the service is not worth the cost.

  47. Re:The news is... still somewhat of an old story.. by zullnero · · Score: 1

    Okay, so the commercials literally brag that they'll put a million down if your ID gets stolen (and that does imply that if their service can be hacked, there's no way they'd know if YOUR information hasn't already been swiped...and if it was, all they'd say is that "it must have been stolen BEFORE you signed up"), and you're bringing "tort reform" (which is right-winger code for "laws to prevent people from suing companies that rip them off") into it?

    Prove to me that the service does what it says. Even IF you're not broadcasting your SSN. What if a person writes their SSN down on a check and drops it somewhere? This service is supposed to prevent that person's info from being stolen, and that's why people sign up for it and pay for it.

  48. Re:The news is... still somewhat of an old story.. by cayenne8 · · Score: 1
    "The issue is that he became a victim of identity theft quite a while ago, and not just once but many times."

    I think this once again emphasizes the importance of not being seen .

    :-)

    --
    Light travels faster than sound. This is why some people appear bright until you hear them speak.........
  49. I totally misread that too by RingDev · · Score: 1

    At first I thought the thieves who had stolen his identity were suing lifelock under his name.

    Now THAT would have been grand.

    -Rick

    --
    "Most people in the U.S. wouldn't know they live in a tyrannical state if it walked up and grabbed their junk." - MyFirs
    1. Re:I totally misread that too by Theoboley · · Score: 1, Funny

      From what i heard, he replied to the prince Habibuba over in Nigeria.

      --
      Stupidity only gets you so far, then you've gotta try
  50. This is only a sympton of the underlying issue. by Anonymous Coward · · Score: 0

    The real problem is that "identity theft" is almost trivial. All it takes is a Social Security Number and a few tidbits of information to completely ruin somebody's life. It is pathetic, really, and what's even worse is that it's not going to change any time soon.

  51. it's a scam by Moop11 · · Score: 1

    Lifelock was founded by Robert J. Maynard Jr. who was banned in the early 90's from working in the credit repair industry-forever. Their basic service doesn't offer anything you can't do yourself for free. Read for yourself what Lifelock is all about. http://www.phoenixnewtimes.com/2007-05-31/news/what-happened-in-vegas/

  52. Re:The news is... still somewhat of an old story.. by Zordak · · Score: 3, Informative

    We seriously need tort reform in this country. That's the real story.

    This looks like a silly lawsuit to me, and there certainly are silly lawsuits. But "tort reform" as pushed by Bush and his cronies is not necessarily the answer. In Texas, thanks to tort reform, a physician could literally operate on you totally stoned and maim you for life, and the damages you can recover are so severely capped that it wouldn't be worth it to sue him (meaning it will be hard to get a lawyer to take the case if you can't pay hourly). That's not a bug. That's a feature.

    The intended effect of tort reform is to place a controlled value on the variables. Mr. Executive says, "If we do this evil thing [sell a dangerous vehicle or drug, for example], how much money will we make?" Bean counter says, "We will make $300 million and it will maim and/or kill a bunch of people." "How much will the law suits cost us?" Without tort reform, the bean counter has to answer, "I don't know. Juries are unpredictable." But with nice, tidy hard-capped damages, he can answer something like, "Our maximum exposure will be $150 million." "Great! Let's do it!" And we're off.

    And lest you think I'm just a bitter litigator who had his livelihood yanked out from under him, I'm not. I am a patent attorney. I don't do personal injury. I hate torts. I've just seen the statutes that were spoon fed to the Texas legislature by the insurance lobby. Tort reform is not your friend if you are not a tortfeasor.

    --

    Today's Sesame Street was brought to you by the number e.
  53. Opt Out Marketing by Anonymous Coward · · Score: 0
    Life lock use opt out not opt in marketing. Beware.

    Further, for $120/year, there are cheaper ways to protect your ID. Lock/unlocks are $30 (in my state at $10 per).

  54. Theft vs. infringement by Anonymous Coward · · Score: 0

    >> The new news is that he is being sued. The old news is that identity thieves took his identity.
    > Well, then, he doesn't have to worry, then, huh? Because they'll be suing the thieves! Right? Right?

    Unfortunately for him, they didn't steal his identity, they made unauthorized copies of it :(

  55. Comment removed by account_deleted · · Score: 1

    Comment removed based on user account deletion

  56. I have been lucky by sskinnider · · Score: 1
    A lot of people have my SSN. FTA:

    Security experts say complaints about the company reinforce the time-honored wisdom of keeping your Social Security number secret. I dont know who came up with this "time honored" shit, but back in the early 80's - late 90's I spent traveling the world on the US taxpayers dime with the USMC. During that time I had quite a bit of pen pals. Upon entering boot camp, drill instructors used to instruct marines that their SSN was to be placed on the envelope of every letter to aid in the correct routing of mail. I never felt that my SSN could compromise my life until well into the 90's. There are serious problems with the way credit is handled in this country and keeping a 9 digit number secret is not going to solve any of them. I lived in Finland for 2.5 years and let me tell you they do a hell of a lot better job. You do not get CC adverts in the mail, you have to go to a bank to apply for a CC. Once you are approved for the CC, you need to go back to the bank to pick it up after presenting adequate ID.
  57. I for one welcome our new overlords by WillAffleckUW · · Score: 1

    And regard anyone who thought a Social Security Number (or the Canadian SIN) was unique as not just a fraud, but a gullible fraud at that.

    My question is why the hackers couldn't have signed him up to be arrested by the NSA and shipped to GITMO?

    --
    -- Tigger warning: This post may contain tiggers! --
  58. Obligatory... by slashname3 · · Score: 2, Funny

    HA HA!

  59. Re:The news is... still somewhat of an old story.. by sumdumass · · Score: 1

    I guess the real issue here is the definitions of victom and Identity theft and the combination of the two.

    If you visit their website, it explains what they do quite plainly. Now, if we are splitting hairs and asking what the meaning of "is" is, you might have to ask is a victim of identity theft, someone who has had their identity used by someone else, or someone who has gotten stuck paying for that other's person's usage of their identity. If their program works like they claim, then it could be that a victim is someone who has to deal with paying or disputing claims against their name. It will be interesting to see how the courts figure that part out.

    Something even more interesting is the CEO's admission on the same site detailing his Identity theft in Texas and claims it as proof life lock works because he was never out a dime or waisted any of his time clearing things up, Life lick did it for him. He also admits that identity theft isn't completely stoppable, and the services of his company helps get things settled when something gets by.

    I don't know how long this stuff was there or even if it was put in place because of the lawsuits. But it would seem that most of the concerns are addressed in a way that could go either direction in a court. If they give that information to customers when becoming members or signing up for the services, it doesn't seem to me that there is much of a case. What do you think?

  60. Re:The news is... still somewhat of an old story.. by sumdumass · · Score: 3, Insightful

    I guess you should look at their site and read what they are claiming. Of course they could have changed things because of the court cases but it seems pretty clear to me. First, they are claiming that if their service fails they will pay up to 1 mill to set it straight. You would know it failed when there wasn't a fraud alert on your credit report when something happens. At least that is the way it is represented as of now.

    So if a clerk fails to check ID or doesn't run the credit report, their service worked and it was a failure outside it. But supposedly, they contest it for you and all you have to do is tell them about it.

    The CEO even claims the Texas incident is proof life lock works because the clerk failed to verify the guys identity and the service took care of everything for him. He wasn't out a dime more then the cost of the service and didn't waist any time with the incident.

    Second, It says it stops you from being a "victim of identity theft". That could be interpreted in many ways. Is a victim someone who has had someone else attempt to use their personal information or is a victim someone who has had to pay fees and spend endless hours as well as being denied a loan for something else because someone used their personal information. It is sort of like if someone attacks you and punches you. You would/might be a victim unless you signed up for a cage match or knowingly stepped in a boxing ring as an opponent of someone skilled in that art. You would/might be a victim if you were minding your own business, you probably wouldn't be one if you punched the other guy first. So there is some interpretation going on here.

    From the adds, I agree with you. But after reading their website lifelock.com , I'm not sure if that really is the case. I think it will be interesting to see what the courts determine.

  61. Re:The news is... still somewhat of an old story.. by rtb61 · · Score: 1
    He should be sued as there is no way of protecting some ones identity. The whole term identity theft is very misleading, your a not stealing some ones identity, you are fraudulently misrepresenting yourself to another party in order to gain benefit from that party. That party then goes on to seek remunerated or other benefit from another innocent party.

    So in reality the person whose identity was misused has a case for harm against the person who accepted the false identity and falsely brought action and harm against them. So two parties failed, the fraudulent individual who provided a false identity and the party that failed in ensuring due diligence and accepted that false identity, and further compounded their error by attacking an innocent party whose identity was abused.

    Want to stop identity theft then start fining companies etc. that accept them and who then fraudulently seek reparation from innocent parties and if those innocent person suffer harm as a result allow them to seek compensation from the party that accepted the false indentity.

    --
    Chaos - everything, everywhere, everywhen
  62. identity fraud? by aztektum · · Score: 1

    like pirating it's not identity theft, you still have it, it's just someone has fraudulently used it and fucked you over.

    identity theft is simply a more emotionally threatening a tagline

    --
    :: aztek ::
    No sig for you!!
  63. Letter from Todd Davis by Anonymous Coward · · Score: 0
    Received today...

    Dear LifeLock(R) Member,

    LifeLock has been protecting our members and supporting the rights of identity theft vicitms for over three years. Recently, the ability of the LifeLock service to protect your identity and the validity of our $1 Million Total Service Guarantee has been called into question.

    Let me be clear:

    * There have been over 80 attempts by identity thieves to obtain credit in my name. Out of these attempts, no one has ever been issued credit. In one instance, a check cashing system failed to verify my identity and cashed a $500 check in my name. However, LifeLock worked just as promised to protect my good name and, just like any LifeLock member, I was never out any money.

    * No one can stop all identity theft. But with over a million LifeLock members, only 105 have reported a compromise of their identity. In each case, we lived up to our commitment, and covered all expenses to restore their identity. * I stand behind the fact that our $1 Million Total Service Guarantee is truly simple and complete. LifeLock does not believe in hiding behind legalese. We guarantee that if you become a victim of identity theft, weâ(TM)ll fix it at our expense, up to $1,000,000.

    If you have any questions about identity theft, my identity, or LifeLock, please click here to read more about LifeLock.

    Thank you for allowing us to proactively protect your good name.

    Sincerely,
    Todd Davis

    Todd Davis
    CEO

  64. Re:The news is... still somewhat of an old story.. by sjames · · Score: 1

    Want to stop identity theft then start fining companies etc. that accept them and who then fraudulently seek reparation from innocent parties and if those innocent person suffer harm as a result allow them to seek compensation from the party that accepted the false indentity.

    Two things would take care of it. First, no collections can take place unless/until the collector can prove that the person targeted is the actual person who incurred the debt. Simple facts about the person will not do there. A picture of the person hold9ng the signed application would be acceptable (if it matches).

    Secondly, reporting an "adverse credit event" against someone without such evidence would be considered libel. A credit reporting agency passing on such information without checking the evidence first should also be libel.

    Reparations for such libel should include contacting every entity the bad information was delivered to and retracting the statement with a full admission of fault. Further, the at-fault party will be required to pay 100% of the added expenses faced by the victim including higher interest rates or the expected value of any lost opportunities.

    Attempts to actually collect funds without proper proof of the debt will be treated like any other criminal shake-down operation. If they threaten to report a bad debt without the proof, it's extortion.

    A big part of the problem is credit reporting agencies who pass on data no more trustworthy than gossip as if it were well researched fact. They routinely mash together credit events from similarly named individuals, roommates, etc.

  65. Mom: Send Better Books by bill_mcgonigle · · Score: 1

    I am studying website security for my job now.

    Kudos.

    One of the main attacks in the literature is called an "SQL Injection." I never quite understood exactly what that meant, but the parent just presented a perfect example. Thank you, AC!

    I think this might be a sign your textbooks suck. :) If they did that well explaining SQL injection (use the prepared statements, Luke), they might do as good a job on the other subject material. Since the AC's post was clear to you, *you're* clearly not the problem in the equation!

    --
    My God, it's Full of Source!
    OUTSIDE_IP=$(dig +short my.ip @outsideip.net)
  66. Re:The news is... still somewhat of an old story.. by Anonymous Coward · · Score: 0

    I think "Life Lick" is a different kind of service...

  67. Re:The news is... still somewhat of an old story.. by Anonymous Coward · · Score: 0

    I 99% agree with you. You left out another guilty party...the places of service/purchase. Remember Crook A, filled out a fraudulant application. Crook B (neglegant party 1), accepts the application and does not verify Crook A's identitiy. Crook A then buys whatever at a store, the store (Crook C, neglegant party) accepts the credit without verifying the identity of the purchaser.

    So after all of this, Crook B decides the random person is responsible for all the crimes/neglegent actions that have taken place. Why is the burden on this random person to prove they did not commit a crime (buy an item/service they have no intention of paying for)?

    I've been dealing with an identity theft issue for 15 months now with a BoA CC I never applied for, received, or used. They are fighting it tooth and nail, and I may need to take them to court eventually. It is rediculous that for over a year my credit has been bad, and I've had to deal with constant collections, all for something I was not a party to at all.

    I still am not sure how they can (if they can) legally do what they are doing. I mean THEY agreed to "lend" money to someone and didn't look into who they were leding the money to. I can't do that! I mean I guess I could...and take them to court over it, and have it thrown out. But they aren't suing me for the money, they are just ruining my credit (no new house now~) and causing trouble for me by calling multiple relatives and my employer. The owner of the company I work for trusts me enough to know I am not at fault, but I can easily see if I had just been hired getting fired for credibility issues (I live in a right to work state). Most employers check credit now when hiring employees as well, so it hurts my ability to change jobs.

    After all of this, personally, I would MUCH rather have BoA prosecuted than the orignial criminal. Instead BoA plays the victim role, and attacks me.

  68. Red flags, red flags everywhere by FazzMunkle · · Score: 1

    I find it unbelievable that people bought into this. Maybe some old ladies who believe in Nigerian 419 scams, but nobody starts saying "Heeeyyyy, wait a minute..." until just recently?

    The company advertised on LATE NIGHT TELEVISION alongside other gray area advertisements and infomercials. Come ON! Even Kevin Trudeau is rolling his eyes.