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identity theft. The first step that could be taken is to stop the use of social security numbers as the key iden tifier and requirement to obtain forms of identification. Restri cting acc ess to birth certificates will also hinde r criminal’s ability to commit identit y theft (Newman, 2004). T hese two identifiers, in the ha nds of an identit y thie f, can be used to acquire a driver’ s lic ense, employment, health insura nce cards, and ot her types of i dentification needed to commit identit y theft. Governments, along with businesses, also need to remove any sensitive data, such as social security numbers, from p aychecks, ide ntification badges, and any other item that contains this sensitive material, and replace it with an employee assigned number. SUMMARY AND CONCLUSION Identity theft continues to haunt i ndividuals, bus inesses, and governments. It will continue to grow unless action is tak en by all pa rties. There are nu merous way s thieves obtain identity information and use it to c ommit theft or fraud. Th e two main forms of identification, the social security number and the driver’s license, are e asily acce ssible f or crim inals. The inform ation retrieved from these is us ually enough for the criminal to commit identity theft. The Internet has opened new doors to obtain this information from both businesses and consumers. This act of identity theft leaves large los ses behind. Consumers w ho have been victim ized must spend m oney out-of-p ocket to defend t heir nam es. They also spend valuable time a way from work and fa mily, usually dipping into their vacation tim e to defend their case. Victi ms s uffer emotional pain, as well as damage to their financial reputation, and often require medical attention. This medical attention must also be paid for by the consumer. Businesses and governm ents also suffer losses due to identity thef t, ranging in the billions. Governments suffer losses to investigate each c ase that is reported, as well as the costs incurred for proposing and enactin g new laws. Financial institutions and the reta ilers who accept their credit cards f or purchases often battle over who is held responsible for the losses incurred f rom identity theft. Instead of battling between one another, these businesses need t o work together to find a solution to this problem. Laws do exis t to deal with identity theft, but even these la ws do not address every detail. The FCRA gave victims of identit y theft t he right t o restitution, but had a short statute of lim itations and did not allow the victims to go after financia l institutions. The ITADA made identity theft a federal criminal offense and placed the FTC in ch arge of receiving and distributing identity theft information. The FACTA is an amendment to the FCRA and extends consumers rights regarding identity theft. FACTA requires credit card numbers on receipts t o be truncated, card issuer s to inform the cardholder regarding addre ss chang es and requests for additional cards, and credit agencies to put fraud alert s in their r ecords when informed by the consumer. It also prevents the release of inf ormation related to i dentity theft from being d istributed and extends the ri ght to a free credit report to everyone. These laws are a step toward the right direction, but progress can be made. There are many new ideas on how to prevent identity theft i ncluding biometric technology and cross industr y pattern recognition. However, the best line of defense still lies with the consum er. Co nsumers need to take steps to better protect themselves against identity theft, as well as working with busines ses and governments, to find a solution to bring an end to identity theft. REFERENCES Berg, S. (2003). "Identity Theft: Business Victi mization." Enterprise Security. . ASBBS E-Journal, Volume 4, No.1, 2008 54 ID Theft
Grady, Maniam and Leavell Berghel, H. ( 2006). "Fungible Credentials and Next-Generation Fraud." Communications of the ACM, Number 49, 15-19. "Cashiered." (2007). Economist, 383, Academic Search Premier. EBSCO. Cheney, J. S. (2003). "Ide ntity Theft: a Pernicious and Costly Fraud." Federal Reserve Bank of Philadelphia. . Dinev, T. (2 004). "Wh y Spoofing is Serious Internet Fraud." Communications of the ACM Number 49, 77-82 Fogarty, S., Ortiz, D. R. and Carter, J. C. (2002). "Stealing the Self: I dentity T heft and Restrictions on Using and Dissem inating Personal Identifiers." Markle Foundation Task Force on National Security in the Information Age. . "Identity Th eft: the Afterm ath of 2003." (2 3 Sept. 20 03). Identity Theft Resource Center. . Krause, J. (2006). "Stolen Lives." ABA Journal, Volume 92, 36-64. Acade mic Search Pre mier. EBSCO. Lacey, D., and Cuganesan, S. (2004). "The Role of Organizations in Identity Theft Response: the Organization-Individual Victim Dy namic." Journal of Consumer Affairs, Volume 38, 244-261. Linnhoff, S., and Langen derfer, J. (2004). "Identit y Theft Legislation: the Fair and Accurate Credit Transactions Act o f 2003 and t he Road Not Taken." The Journal of Consumer Affairs, Volume 38, 204-216. Mercuri, R. (2006). "Scoping Identity Theft." Communications of the ACM, Volume 49, 17-21. Milne, G. R., Rohm , A. J. and Bahl, S. (2004) "Consumers' Protection of Onli ne Privacy a nd Identity." The Journal of Consumer Affairs, Volume 38, 217-232. Milne, G. R. (2003). "How Well Do Consum ers Protect Themselves Fro m Identity Theft?" The Journal of Consumer Affairs, Volume 37, 388-402. Newman, G. R. (June 2004). "Identit y Theft." Center for Problem-Oriented Policing. . Ryst, S. (4 April 2006). "Stopping a Scam From Spreading." Business Week Online, 3. Sovern, J. ( 2004) "Stopping Identity Theft." The Journal of Consumer Affairs, Volume 38, 233- 243. White, A. E. (2005). "The Recognition of a Neg ligence Cause of Action for Victims of Identit y Theft: So meone Stole My Identity, Now Who is Going to Pa y for It?" Marquette Law Review, Volume 88, 847-866. ASBBS E-Journal, Volume 4, No.1, 2008 55
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ASBBS eJournal Volume 4, No.1, 2008
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THE SUPREME COURT GRANTS CERTIORARI
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Kinsler and Bacon Marks, Kenneth R.
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Koyame-Marsh with Angola and Congo
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Koyame-Marsh in the 1980s while the
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Koyame-Marsh Table B1. Congo’s Ke
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Koyame-Marsh UNITA’s war against
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Koyame-Marsh Given the fact that fo
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Koyame-Marsh Box 2. Selected Socio-
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Koyame-Marsh CONCLUSION The paper a
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Koyame-Marsh Nations Homepage, 12 A
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MacArthur, Houmes and Stranahan vol
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MacArthur, Houmes and Stranahan OLi
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MacArthur, Houmes and Stranahan Kei
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Lavin was in prior years. When I go
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THE SPIRITUAL DIMENSION OF QUALITY:
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Spiritual Dimension ..Biblical Pers
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HOUSING INVESTMENT AND PROPERTY TAX
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Table 1. Summary Statistics of Soci
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Property Taxes in Indiana new housi
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Property Taxes in Indiana In 20 03
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ABSTRACT Major trends in hotel gues
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Hotel Guestroom Technology The impa
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Hotel Guestroom Technology ourselve
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Hotel Guestroom Technology booking
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Hotel Guestroom Technology Most peo
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Hotel Guestroom Technology Minibar
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AN HISTORICAL PERSPECTIVE OF ACCOUN
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Accounting for Income Taxes 1920-19
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SUSTAINABLE GROWTH MODELING: A LONG
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Growth …Analysis of Harley-Davids
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Growth …Analysis of Harley-Davids
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FIRM EXPANSION AND REGIONAL DEVELOP
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Importance of Geographic Space and
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INNOVATIVE HRM: HOW HR ACTIVITIES C
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Innovative HRM intention would be t
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strategy implementation best. It se
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Innovative HRM It must be noted tha
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approach to compensation does not o
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Allied Signal, Dupont, Honeywell, B
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Figure 5: General Schemata of BSC:
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Innovative HRM where open communica
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Zomorrodian, A (1999) “Learning O
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