Vagabundo said:
ID theft usually a starting poinit for whole load of crap, including:
- Go on a shopping spree with your credit or debit card account numbers.
Thieves may also create counterfeit debit cards or checks. Merchandise can be sold
and the criminals walk away with cash.
- Open credit or checking accounts in your name with your SSN and date of birth. As the bills pile up, your credit report reflects the delinquent account.
-Have your credit card statements sent to a phony address. Without the bills as a reference, it may take you a while to realize your account is being used.
- Take out loans in your name for big purchases, such as a new car.
- Set up telephone or internet service in your name.
- Avoid the responsibilities of debt or an impending eviction by filing
bankruptcy using your SSN.
- Give your name to police when being arrested. If the criminal is released on bond but fails to appear for the court date, police may issue an arrest warrant for you.
Just from some googling. There are a lot of horror stories out there. I had a pal getting arrested and hassled for fines for a long time because someone was giving his name and address to the cops.
Case 1.
Unless the criminal has been shopping in your hometown, you'll have basically no chance of not being refunded. In fact, bank security is so tight right now that I get called about expense I actually did.
If someone goes on a buying spree with a cloned card, 99.9999% the only entity losing money over it is the insurance company.
Case 2.
You didn't give Sony your SSN, did you? I never created a PSN account, but here in Europe I'm not even asked for my Fiscal Code.
Case 3 and 4.
Once again, I'm not an expert on American law's fine details, but in order to open a loan or a line of credit, you're required to give an address, which is your residence, which is registered at the Land Registry. Giving a false address is an easy way to get caught.
Besides, if you think all the info you need to open a loan is the info you stored on your PSN account, you're absolutely wrong.
Case 5.
Once again, residence. Dude opens a phone line in your name, doesn't pay the bills, you get a visit from debt collectors... no wait, they're gonna go after the guy, won't they? Did he open the account in the town you live in? Are you really implying someone will attempt a scam a part of which revolves around making his location public? People comes at you for the money, you plead innocent, they go to check the place where the phone line is, no?
Let's assume he goes for a mobile contract. You get fines on your CC account. You deny it's your account. They check where the contract was made. Ops, you don't live in Arizona. You get refunded, card is canceled, number is lost. Not a scam worth risking for.
Case 6.
Once again, does a PSN account require SSN? Also, in what kind of demented world you think you're gonna pay the consequences for a bankrupcy that happened 2000 miles from where you live in an activity you didn't take part to in a place where nobody has seen you?
I understand you're scared right now, but this is nonsense.
The information you've given Sony to open a PSN account are enough to buy a fridge, not to ask a 50k loan or open a sweatshop.
Case 7.
I can't even begin to comment on this. The police, assuming they didn't check the residence and identity given by the arrested person (which is like, insane already) will have pictures of the guy. Which doesn't look like you. You didn't give Sony your pic right?
But besides, this guy went through arrest, trial and bail and nobody EVER noticed he's actually not you? Really? You're trolling me now.
Let's try to be rational here.
There's CC scams, and those are serious, but also covered quite well by the system.
If identity theft, based on the info you gave Sony, was actually a dangerous event, Facebook wouldn't exist.