I just heard a story from a guy I'm on a mailing list with, of learning at 26 that he had bad credit because of identity theft when he was 13. The thief used his social security number to get financing on a bunch of home appliances, then defaulted on the loan.
He knows exactly who the thief was.
It was his father.
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Another case of a system inadequately thought out because the planners failed to adequately consider future needs.