The New York Times
http://bits.blogs.nytimes.com/2010/04/07/how-lenders-overlook-the-warning-signs-of-id-theft/
But there may be a simpler reason for the persistence of ID theft: lenders are too willing to extend credit to just about anybody, even when there are big red flags that indicate fraud.
That’s a thesis presented by a University of California, Berkeley lecturer, Chris Jay Hoofnagle, in a new report: “Internalizing Identity Theft.” Using a 2003 amendment to the Fair Credit Reporting Act that allows victims of ID theft to ask creditors for the fraudulent applications submitted in their names, Mr. Hoofnagle worked with a small sample of six ID theft victims and delved into how they were defrauded.