Mon 28 Apr 2008
Any identification you have, or computer record about you is not about who you are. Rather it is about who you have been. It proves what your history is: law abiding citizen, good investor, parent who dropped off child, enrolled college student. Whatever. You got the ID to prove what you were at some point in time, and by flashing the ID you prove you are connected to that history. If you want to know more about this idea, you can search the Increa Technology Blog for the word “identity” or read a prior post.
Someone stealing your identity doesn’t care who you are. What they are after is who you have been. That person with good credit. Or that person with a certain demographic. Or that person with insurance privileges. Or that person who has already accumulated money in the bank worth taking. The record of your past transactions is what gives you everything from a credit score to an eBay bid history.
Taking your history then, is, by definition, identity theft.
I was aghast recently to learn of a court-ordered identity theft. What I mean is a sitting judge ordered an entire financial history to be transfered from one person to the other. A clarification was asked in court, and the judge specifically said the account, with all it’s history, was to be transfered. Not just the dollar amount. The entire identity and history.
Traditionally, these transfers have always been done by creating a new account and transferring the balance in dollars or stock shares, or whatever. This is different. The name and social security number on the account are simply replaced.
If you work in the Internet commerce world, you can understand this is as if a judge ordered your entire eBay bid history, feedback history, and trust-factor be given to someone else. It would also include your linked Paypal account, and every transaction there. In addition to your internet user names and passwords. A history that took years of time and dollars to build instantly becomes the history and character and identity of someone else.
I have never heard of such a thing before. Is this legal? I know judges can order asset transfers to settle court cases. But never before did I know a judge can order your financial history to be switched over and now belong to another person.
The new owner, of course, has full access to account assets. This is normally what a judgment or settlement is meant to include. In a world of internet identities, controlled by the order of judges who do not understand the new financial age, a judge can unknowingly or knowingly do much more. Specifically, by transferring the account itself rather than the value in the account,
- it is as if the new owner is you, and can interact with any merchantas you through the pre-approved bank account number and username.
- the new person has full access and knowledge of every financial transaction you ever did with the account. The person has full access to your account history. Prior business dealings, prior friends, prior purchase records. Everything. When they pull their account history, it is what used to be your history. Isn’t there some privacy act law against this?
- imagine that the bank account is linked to other assets, and now the new owner has full capability to empty your other linked accounts because they have full capability to simulate YOU as an internet user. The original bank won’t un-link the secondary account upon your request because you no longer own the account! The linked bank won’t prevent the transfer because it is a “pre-approved merchant ACH” transfer, which can only be stopped by the requester.
If there is anything about this idea you think this is wrong, and you have ideas to mitigate the effect or stop such happenings, please contact me. If there is any way to legally reverse such a court order or hold appropriate parties responsible because of the identity theft involved, I would like to know how to do it.
; A7/C# =
]
[Capo 2]
Intro: / Amadd9 Em7 C Em7 / /
In the ever-shifting waters of the river of this life
I was swimming, seeking comfort; I was wrestling waves to find
A boulder I could cling to, a stone to hold me fast
Where I let the fretful water of this river ’round me pass
/ Amadd9 Em7 C Em7 / / / Amadd9 Em7 C A7/C# / Bm G Em7 AAsus4 A /
And so I found an anchor, a blessed resting place
A trusty rock I called my savior, for there I would be safe
From the river and its dangers, and I proclaimed my rock divine
And I prayed to it “protect me” and the rock replied
… / Bm G Em7 A7 - - /
{Refrain}
God is a river, not just a stone
God is a wild, raging rapids
And a slow, meandering flow
God is a deep and narrow passage
A peaceful, sandy shore
God is a river, swimmer
So let go
/ D - A7 - / A7sus4 A7 / D - / G - / D Bm / G A7 A7sus4A7 / Intro /
Still I clung to my rock tightly with conviction in my arms
Never looking at the stream to keep my mind from thoughts of harm
But the river kept on coming, kept on tugging at my legs
Till at last my fingers faltered, and I was swept away
So I’m going with the flow now, these relentless twists and bends
Acclimating to the motion, and a sense of being led
And this river’s like my body now, it carries me along
Through the ever-changing scenes and by the rocks that sing their song
{Refrain}
… / G A7 / Bm - /
God is the river, swimmer
So let go
/ G A7 A7sus4A7 / Intro /