With the Digital Age comes an increase in the amount of personal data that is stored electronically. An article by Kurt Saunders and Bruce Zucker highlights the dangers of identity theft in a time of digital repositories of personal information. Banks, schools, hospitals, and countless other businesses now store information like our social security numbers, dates of birth, and addresses in online databases that can be hacked. Grinnell College students experienced a social security number hack first hand this year! Digitized information makes it easier for thieves to assume someone else’s identity and withdraw money from their bank account or take out credit cards in their name without the intention of ever paying the money back. As such, the question is, just how can such a matter affect a person, and how is it being combatted.
There are two practical issues related to identity theft. A person’s identity is a fundamental component of financial institutions; banks don’t give loans to those unlikely to repay them. A person can open lines of credit with no intent to repay under a false identity, thus gaining access to otherwise unattainable resources and damaging the victim’s ability to do the same. The real-world case of Terry Rogan, a man from Michigan, depicts issues related to law enforcement; Rogan’s identity was assumed by a fleeing convict, who later had an arrest warrant for murder issued in Los Angeles. The real Rogan’s information was placed in a national database, and every subsequent interaction he had with law-enforcement back in Michigan was governed by that. Rogan was detained several times on suspicion of a murder he didn’t commit after otherwise routine traffic stops. This scenario is not too far fetched for anyone, and brings the question, on just what is being done to counteract potential threats.
Due to identity theft becoming a real threat to almost anyone in the Digital Age, repercussions have been made in order to keep people and their information safe. In what was necessary, the government initially did not have laws that would qualify online identity theft as a criminal offense. Originally, they could only utilize laws that made unpermitted payments and fraud illegal, but this failed to reach the extent of being able to proactively combat against the growing threat of identity theft. Eventually in 1998, the Identity Theft and Assumption Deterrence Act was passed. This act allowed for identity theft to be combatted against. First, it allowed for the government to charge against online identity theft as a criminal offense with severe prosecution against perpetrators, and the act also allowed more people to become more aware of online safety due to federal regulations to educate people in schools of the dangers of the web. While it’s hard to say if such actions will truly prevent people from suffering identity theft, it’s a start towards combatting against the crime, as people recognize it’s severity to the victims and the public, as well as prompting them to take a stand against such crimes in order to combat against it.
