Identity Thief Steals House
From Plastic:
James Cook left on a business trip to Florida, and his wife Paula went to Oklahoma to care for her sick mother. When the two returned to Frisco, Texas, several days later, their keys didn’t work. The locks on the house had been changed.
They spent their first night back sleeping in a walk-in closet, with a steel pipe ready to cold-cock any intruders. The next day, they met the man who thought he owned their house, because he had put a US$12,000 down payment to someone named Carlos Ramirez. The Cooks went to the Denton County Courthouse and checked their title. Someone had forged Paula Cook’s maiden name, Paula Smart, and transferred the deed to Carlos Ramirez. Paula’s identity was not only stolen, but the thief also stole her house. Even the police said they’ve never seen a case like this one, but suspect the criminal was able to steal the identity and the house with just Mrs. Cook’s Social Security number, driver’s license number and a copy of her signature.
This is a perfect example of the sort of fraud issue that a national ID card won’t solve. The problem is not that identity credentials are too easy to forge. The problem is that the criminal needed nothing more than “Mrs. Cook’s Social Security number, driver’s license number and a copy of her signature.” And the solution isn’t a harder-to-forge card; the solution is to make the procedure for transferring real-estate ownership more onerous. If the Denton County Courthouse had better transaction authentication procedures, the particulars of identity authentication—a national ID, a state driver’s license, biometrics, or whatever—wouldn’t matter.
If we are ever going to solve identity theft, we need to think about it properly. The problem isn’t misused identity information; the problem is fraudulent transactions.
Daniel Nylander • August 29, 2005 8:03 AM
I had a similar problem a few years back.
I was about to sell my BMW M3. A guy showed up and said he had a buyer and wanted to show the car to him. After a few meetings and phonecalls, I lend him the car. Then he apparently forged my name on the registration paper and sent it to swedish “DMV”. I went to the police but I couldn’t report my car stolen since I wasn’t the owner. I reported the incident as a fraud and contacted a good lawyer.
Two days later, the guys were picked up by the police and the trial was held 2 weeks later. They got 2 years behind bars for fraud in 3 different cases.
Anyone could sign a document with someone elses name ..