What is identity theft, anyway? The act of an impostor stealing your Social Security, credit card, or driver’s license number or any other key component of your personal information and using it to obtain credit or purchase goods under your name. In a mild case, someone might simply steal one of your checks and find a way to cash it; in an extreme case, the kind that has sales of home document shredders booming, someone could use the information you nonchalantly tossed into your trash to open up multiple credit card accounts, rack up an enormous debt, destroy your credit, and then get arrested—the latter while holding a fake ID in your name, leaving you know who with a police record.
How often does this kind of thing happen in Texas? There were some 26,000 reported victims here in 2004—second only to California—which roughly translates to one identity stolen in Texas every half hour. But given that identity thieves are getting increasingly sophisticated and that the Federal Trade Commission estimates that at least 10 million cases of identity theft take place nationwide every year, most experts agree that the real number is much higher than that. These days thieves can steal thousands of identities at one time.
How’s that? “The fundamental problem,” says Luke Metzger, of the Texas Public Interest Research Group, “is that the thousands of institutions in possession of our private information aren’t taking the necessary steps to protect us.” For example, last year a crime ring that set up fraudulent businesses gained access to information on more than 140,000 Americans stored in the databases of ChoicePoint, a company that sells private consumer data. That scandal affected at least 11,000 Texans alone. In 2003 a hacker stole some 55,000 Social Security numbers from the University of Texas computer system in one afternoon. And in another common scenario, dumpster divers in Ennis recently obtained credit information on hundreds of consumers that was discarded in a trash bin by local Blockbuster employees.
So is anything being done to crack down on this? Yes, and it certainly helps that the Legislature now has a face to put on the issue: Helen Giddings, who