How to freeze your credit and why: www.usa.gov/credit-freeze You can also read more about the breach here: www.latimes.com/business/story/2024-08-13/hacker-claims-theft-of-every-american-social-security-number
What really becomes a problem is when some dumb bank you don’t do business with gives someone a loan in your name. By the time you find out, it’s too late.
The classic problem with beurocracy. Everyone can see that using the primary key in a government database for identity verification is a bad idea. Nobody does anything to change it.
It's not supposed to. That was NOT the original intention of the social security number. It was originally JUST a number meant to uniquely identify workers to track social security earnings back in the 1940s. Cheap and lazy government and private institutions saw that there was already a system of identification in place and said, "Oh good we don't have to create a system because one already exists." Nevermind that because it's just an ID number it is in no way built for safety or security of information.
Jesus please never use google translate to try and write english with kanji. This was so bad. アイ ファックト ヨウア ママ would have been the way to write this. What you did was so bad. Completely illegible and shows a complete lack of understanding of transliteration.
Just some added info here. Up until VERY recently it was heavily pushed by the welfare department that your social security number was NOT a form of identification as there was no validation or security.
Technically they still tell you that, it's just companies have ignored it for so long that welfare doesn't wanna waste the resources on getting the message out anymore.
Technically there is federal law limiting who can require you to provide an SSN, but it ends up being requested for all kinds of reasons. Be careful about who you provide your most sensitive info.
CGP Grey made a great video about this. Americans need ID cards with some actual level of security built in instead of pieces of paper with an unsecure number and no biometrics.
@@imitatsiya or even better let people opt out of social security because it's a joke and a ponzi scheme now anyway... then we wouldn't need either one.
@@bobthegamingtaco6073 and still americans refuse to make a national id when they already have one just without none of the securities is suposed to have like other countries
@@gamanyme trust me, I'm down for a national ID, but uh, how? If it costs money one party will veto it, if it's paid for directly then the other party vetos it, and the... "under-educated" will yell about it because "the government is gonna know where I live!!!" Because they haven't figured out that if you have a license, property, or pay taxes, then the gov already knows about you
@gamanyme I bet the auto industry is pushing that agenda. Making the drivers license the primary ID encourages people who wouldn't drive to get a license anyway.
@@gamanyme You think the US is bad for that look at Canada. Same fucking problem all we have is either a SIN number which everyone has or a passport which not everyone has. The rest of our ID is issued by our respective provincial governments. Have fun
Thor: The only thing that stopped someone from stealing my credit loan is that the person did not know my middle name. Also Thor: My middle name is Thor...
Social security, despite the name, is ironically a ridiculously overused and horrendously unsecure system. One number should not allow others to steal your identity and life away. The fact that she got your middle name wrong is hilarious, but lucky
I got out of the Army and couldn't find work. I tried to get unemployment. I was told there was an issue and need to go to the nearest office. Being unemployed, I had time. Turns out, I was still working... as a 50 year old Hispanic man. My unemployment was denied until I proved that I was me. I asked if they were going after Ivan Rodriguez if I can prove I'm the real me. They said 'no'.
Maybe if our country stopped letting people in illegaly there wouldnt have been an issue. The vast majority of modern identity theft is caused by illegals trying to steal our resources.
For those wondering why SSN is so unsecure, it wasn't meant to be used for identification. It was made to keep track of what people earned for social security. Still the US is against any form of national ID so it was the closest thing to a universal identifier, specially cause issuing a child an SSN is a prerequisite to recieving tax benifits. They weren't even random till 2011, a few numbers are area specific and the rest were assinged sequentually. So if you look up public records and see who was born before or after you, you can guess their SSN with almost no error. They weren't meant to be ID's but it was the next closest thing to it, cause the US is stupid.
I mean they were meant to be ID of a sort, literally for social security taxes! Which means a bunch of financial stuff got pulled into using it, which unfortunately is a lot of the worst stuff to get identity thefted with
I think they do this when they call you, after they detect possible fraudulent stuff. I had a call with a bank rep after someone used my credit card, and they verified information with me before helping me out and getting that person to stop using my card.
@samn6760 I reported my credit card as stolen as there was online fraudulent charges against it. They have an entire script they have to go through. - Do you know anyone that lives there? - Did you give the information out to any friends, family, or coworkers? - Did you lend someone your card -Etc Just general formalities to make sure they have all the info they need when they push on.
Its depends how they asked, i would rather be informed about a attempt to scam, but if they asked those question like that, i worry because that mean they can't even check the sexe registered in my account, neither than my freaking names.
Undertale is nine years old. Betting there is at least one elementary school teacher somewhere in the English-speaking world who has had this exchange.
why would they fix it lol, the government has never shown that it cared for the people not even once, if it did name a president who actually made a good difference in their time in office, there hasn't been one since JFK and even longer before him
What would they do? Remember, if it costs money to fix the Republicans veto it. If you make Americans pay for it themselves then not everybody will. If it only gets handed out to certain people then the Democrats will veto it. So how do you make a universal, secure number, for free, and hand it out to everyone? And that's before people get upset that "the government is tracking us!!! Panic!!!" Because they can't put 1+1 together and realize that the government already tracks you if you work at a company, own property, own a firearm, or have a driver's license.
It's one of those fun things that gets caught up in technicalities. Issuing identification outside of passports is not one of the powers granted to the federal government, which means it's left to the states. We're sort of getting around the constitutional issue now by the federal government only accepting REALID compliant IDs, which includes the TSA, so states IDs are starting to be standardized.
Imagine how much crime could have been stopped and live not at least temporarily ruined if a proper national identity system was set up with actual security features like a picture, and the whole system wasn’t build off something that was never intended to prove to be ID. Even the bank example in this video would never have happened if the bank had a picture that was linked to the SSN used.
Honestly this is more of problem in the US due to how incompetent most companies and entities are in doing proper identity validation. In Europe, any identification number has no value and doesn't allow you to get anything
In the case of Denmark, banks require you to answer a few security questions before they're able to do anything... and that's after stating your name and government ID.
well yes and no. Some verification services are now automated through software and if someone has your number they can fake an id with it to, for example order a phone contract or open a bank account. Ofcourse this wont work for anything big like a loan.
This is insane. In Brazil we use our SSN as a key to send and receive money to each other, it's basically very public information. That information alone isn't enough to do anything with it. The US is so prehistoric
Fun fact: im a swede, and as a swede our SSNs are pretty public, it is literally our birthday and 4 more numbers. I believe theres even a place you can call to request someones 4 last digits, since you need someones SSN to, for example, sue someone
American SSNs are similar. If you got your SSN before 2011, the first 3 numbers are based on where it was issued, the next 2 are some administrative number, and the last 4 are sequential based on when it was issued. So if you know when and where an American was issued their SSN, you can figure out the rest. And this latest leak probably just screwed anyone else born after 2011
yeah pre-2011 definately sounds more public than post-2011, for a swede tho you almost know their SSN entirely if you know how old they are and when their birthday is
Isn't there a database where you can look up any Swedish citizen and find their full name, address and a map showing where they live and who they live with? 100% serious question because I kind of got a demonstration about it before
In the US, they were never designed to be a secure form of ID. They just kinda used it thay way because it's easier than setting up a whole new system, and here we are.
Why would it be a felony with you and not literally anyone.. so if they steal from me, it's a misdemeanor slap on the wrist but with you... it's a felony... why are you special????? Who watches the watcher
More consumer protections means it's harder/more effort for businesses to take your money. Businesses and the ownership class rule America. The rest of us should consider ourselves fortunate we're allowed to live and be employed.
So the your bank is like: Is Jason T. Hall a middle aged woman? It doesn’t say the age/gender on the file? The only thing that is needed for a loan is a SSN and not a passport? What insanity is going on in USA
So, not quite how it works. She probably used the SSN to get into his account (which is a risky but possible thing to do), and from there filled out an application for a loan. If you do it online and your bank is dumb, then it's possible it would've gone straight from her to an approval agent, and said agent wouldn't know anything until they started the approval process. Name, gender, and race were probably step 1 of the approval process, so it failed immediately, but she still got to his bank info off of his SSN, meaning he had to change banks
The verification process varies based on the type of credit. Credit card is most basic and they just verify that the information submitted matches the credit report. Even then, it doesn't have to be an exact match. For a home loan like this example, it goes much deeper. You have to submit bank records, pay stubs, ID, and pass ssn verification.
Maybe it is a good thing. It is about time banks and businesses stop treating knowledge of SSN as proof of ownership. It should be printed in the ID, and only valid alongside it.
Friend of mine who works in datasec once casually mentioned “oh your bank details _are_ just sort of out there, if your shit gets hacked you’ve basically just fluffed a saving roll. Nothing to be done really” and then just _moved on_
It's so true! Even when you write a check it has your address, name, sometimes phone number, and account and routing number. You handed a cashier your debit or credit card? It takes 3 seconds to take a picture of the front and back Your best bet is to monitor often, set up 2FA where possible and also alerts for unusual activity. :)
I work in credit disputes. If someone does succeed in creating an account or does an inquiry on your credit contact the bank. They usually have loss prevention departments that who you want. Have them investigate the fraud. Go to the police too with any evidence you have and provide that to the bank as well. Overturning and deleting fraud accounts is one of the best parts of my job. I literally fix peoples credit.
Most people don't know this; but when doctors and medical facilities want your SSN; it's primarily for personal ID reasons; they RARELY need the whole number; so you can just give them the last four digits, or tell them know and offer a random four digits which they will use as your 'personal ID'. What are the odds that your full name, matched with four random numbers; will be duplicated by someone else at that same exact bank or hospital? Pretty much zero. Learned that when I worked for a physical therapy company when I was 16(worked there for about four years); lots of shit you don't need to tell them that they ask for; and it's why a lot of nurses or those with access to the medical charts steal people's identities; it's staring at them all day because people hand it over so willingly. It'd be like handing over your debit card information to 100+ people and hoping no one takes advantage of it.
I got transferred to a hospital that straight up asked me my SSN as we passed a waiting room (luckily, was empty). It's so insane that they ask for that up front, catching you off guard when you're already not feeling your best. I didn't know you could refuse then and give them info later (once you're actually IN A ROOM).
My dentist told me they needed my SSN because, in case I didn’t pay, they would have a way to come after me. I told them “no thanks, if that’s the case I’ll go somewhere else”. They didn’t want that, so they allowed the account to be filled out without an SSN. So anyway, considering there may be legal stuff surrounding the collection of payment, couldn’t the act of giving false info about one’s SSN to a company be considered fraud? I don’t know anything about this but I’m very curious if this would have any consequences, because if not then I’ll just resort to always giving fake SSN numbers in order to protect myself from leaks.
My SSN was leaked during the Experian leak a while ago. Ever since then, I keep my credit check stuff all locked up so no one can try to start a loan in my name. I have to actually unlock it for anyone to do a credit check such as buying a car or moving to a new place. I have it open for a few days and lock it all right back up as soon as I'm done.
@@StarWarsomania yes just sign up with all the major credit bureaus (Experian, TransUnion, and Equifax) and put a freeze or lock on your credit. It's 100% free and something everyone should do tbh because you never know if your info's been leaked somehow.
@@StarWarsomania yup, you can do it through Experian and the other two credit agencies (I forget the name off hand). It means that no one can do a credit check on me unless I unlock it.
@@StarWarsomania Look up how to freeze your credit. It's free, you just have to take a half hour or so with each of the three credit bureaus. Experian is a bit of a shit in making it hard to find, so watch out for that.
@@StarWarsomania You can put a freeze on your credit yes. Mine is also frozen across every major reporting agency. In order for me to apply for any type of loan I'd have to go in and unfreeze it. I already have everything I need though, so it's not likely I'm ever going to do that. Experian, Transunion and Equifax are the big three. You can go through them to basically reject all future attempts to pull your credit, which will result in denial of loans. It basically just makes it impossible for anyone to do hard pulls of your credit, which in turn means essentially all credit applications will be denied. Honestly, everyone should freeze their credit if they're not going to be seeking loans or opening credit card accounts in the near future. There's no real downside to keeping it frozen.
THANK YOU FOR MAKING A SHORT ABOUT THIS. I would have entirely missed this otherwise as I and most of my friends are actively tuned OUT of the news cycle. Now with my determination to help people, and the willpower to write medium length announcements in message boards and discord servers, I can let others know effectively.
Small correction: The 3 billion records weren't each a different person... There were often multiple records per person. So half the world's population weren't pwned, but still it's hundred hundreds of millions and everything else Thor said is 100% applicable.
bigger correction, the "leak" just generated all possible ssns, they're not associated with anyone's name, that leak was a satire and Thor looks high in this case.
@@servantbyday because this short talking about 4 day old news isn’t a public service announcement? And they also said “this should be everywhere”… like it hasn’t been already… for days…
@@bob_kazamakis I mean I only saw it now cause of this but I also don't look for news at all - just occasionally things will show up in my Google feed when opening a new tab in chrome on my phone. If it's not there in the top 5 results or recommended on RUclips I wouldn't know about it ¯\_(ツ)_/¯
Yes but also; We have all your email addresses, probably your phone number, some physical addresses, and probably your SSN so if someone wanted to absolutely destroy your life through any number of means the information is there
Yeah, totally wrong. Hundreds of thousands of ppl will get fucked bc of this (US population is 330 mil). Sometimes fighting identity theft alone can cost $10,000s and set your credit to shit. Imagine being ready to buy a house and finding out your credit score is in the 400s. Or that you have two dozen credit cards in 5 states you've never been to.
I mean they have my full name, full address, full ssn, any information they could possibly need to impersonate me. And the only way I know to protect myself is some a fucking twitch streamer. Thanks government.
Well, when they originally made it the cards also clearly said that it was not to be used for identification purposes. I believe this was removed back in the 70s. The issue is not with the government. The issue is with private companies using this number for identification, a purpose it was never intended for.
@@kurtfrederiksen5538 The government uses it for ID stuff too, so they are partially complicit. They should have just sucked up the criticism and made a ID number with proper security features
@@stannumowl I am not following. Is the issue that the company did not want to generate and maintain their own unique ID? Or that the government did not provide private companies another unique ID which could be used as a secret/passcode/authentication? It is worth pointing out that SQL and many other database languages have had a function which will generate a unique ID for like 20-30 years now.
@@kurtfrederiksen5538 that's about goverments doesn't provide anything that can be used to reliably distinguish one person from another. SSN can be used that way because almost everyone have it and it is a unique number for citizen. But it wasn't designed to be used that way and that's the reason of problems. uuid in sql are nice but they leave the question is John Doe born on 01-01-2000 the same John Doe that is already in the database or different one on the company
You should freeze your credit anyway. There is no reason to leave it available if you’re not actively getting a loan. Even then you can unfreeze it for a specified amount of time for what you need done.
Interesting 🤔 I wonder if there's a way for people to check if their SSN was included in the breach. There SHOULD be a way to check, since apparently the government can't keep our info safe. And f that hacker.
Does freezing credit keep you from building it as well? I'm currently, actively building on my credit in an attempt to actually have something to my name one day.. and while I'm terrified of this breach, locking my credit into a subpar range while I'm doubling down on loan payments does nothing for me either. I'm wondering how best to handle this.
@@talyahr3302 to freeze your credit, you need to make an account with Transunion, Equifax, and Experian. They'll encourage you to get a premium one, but the free one is all you need. When you make an Experian account, they'll do a one time free scan across a bunch of darkweb and info sites looking for it and let you know if they find anything. I have a Discover card and one of the perks of it is that they regularly run that same scan for me at no charge. I knew that my info had been leaked about a week before people started talking about the massive data leak.
@@ThePluviaumbraA credit freeze will stop anyone from requesting info about your credit. So any current accounts or systems that you're using will be unaffected. So your credit score will still reflect your actions even during a freeze. That said, if you need to take out a loan, get a credit card, buy a car, or sign a new lease/rental agreement, you'll need to unfreeze or temporarily thaw your credit score so they can see your score. You will need to make an account with each credit bureau individually (Transunion, Equifax, and Experian). The Experian and Equifax sites do a REALLY good job of explaining how a credit freeze works and what it does and doesn't do.
We live in a time that i answer my phone silently and wait to hear what's on the other line, knowing they be trying to record me saying any words at all to compile a.i voice
Thor actually has a short about that and how because he's a streamer it's a very real threat. So all his banks/big things require him being physically present
If you mean goblin,they should definitely get that loan but instead they use woman identity... because he is in fact the goblin lord and the only legitimate goblin lord know by post office officially
For those that have our data that we have no say in (Credit Bureaus, Social Security, Government etc.) they should be charged with criminal negligence because they don't practice due care and due diligence. Working with them through security assessments, I give vulnerabilities and remediations and they get ignored, they show back up the next year like clock work. they need to be held accountable for protecting our data, it's their literal asset.
This identity theft thing brings up a little story I had in an Uber once. Driver asks me, "hey! Is your name actually _____?" And I'm like, "yeah, man. It is. On my birth certificate and everything. Ahha" "Oh! That's really cool! I'm actually happy about that! Can I talk to you about something?" "Yeah, go for it. I'll listen." Talks to me about how for the past month he's been fighting identity theft. He's been fighting his bank. He's been trying to call and fix everything that's been done under this name. At the end of the ride, he says, "hey, thank you again. I'm going to use this as a sign that I got to keep fighting this. Thank you, thank you." And I'm like, "well, I'm glad I could help even if it's just my name and me being ear to listen to your story. I wish you the best." I hope he won.
everyone also needs to know that if your bank lets someone commit fraud on your account, its literally not your problem... when they tell you to hide your pin.... its for them not you
It is a bit of both though. If they aren't required to implement these measures it would also be easier for someone to mess with your things. So yes they say that for them, but the effect is more safety for you.
As a European it seems rather dumb to me that all person needs to commit an identity theft in the US is a SSN. Like seriously? No need to see your VALID ID card or passport? No need for you to be present in person for any bigger thing (like loan above certain ammount and so on)? No personal pin or finger print to confirm the request? It seems to be utterly flawed and insecure system.
Generally a company is going to ask for multiple forms of verification. Which is where state ID comes in, nowadays those are wayyyy harder to fake than a few decades ago. There’s holograms and chips. But I don’t believe there’s no law that requires it. Theoretically if someone was charismatic enough, they could get away with a lot with just the number
As many other people have said, it's important to understand that SSNs predate the modern internet by about 75 years and, crucially, were NOT INTENDED TO BE USED AS IDENTIFICATION. It's the systems that have built up around them over time that are stupid, not SSNs themselves.
@@ValkyrieTiara look the ssn isn't stupid by itself. What is stupid is that you didn't create identity number when you had need for it. Btw, most of European identity numbers are predating internet and some of them even predating ssn
There are only 1,000,000,000 possible permutations of a SSN, so I assume when you say 2.7 billion were leaked you mean including other information such as name, address, etc. and that also includes dead people.
@@Dogjitsu Fair point, but it's not like he revealed that information in this short specifically. He's talked about it before so it was already available
At this point, everyone's credit should just be frozen by default. if you need to buy something big, you're making a trip to the bank anyways, unfreezing your credit can just be a routine step in that process
"The missile knows where it is at all times. It knows this because it knows where it isn't. By subtracting where it is from where it isn't, or where it isn't from where it is (whichever is greater), it obtains a difference, or deviation. The guidance subsystem uses deviations to generate corrective commands to drive the missile from a position where it is to a position where it isn't, and arriving at a position where it wasn't, it now is. Consequently, the position where it is, is now the position that it wasn't, and it follows that the position that it was, is now the position that it isn't. In the event that the position that it is in is not the position that it wasn't, the system has acquired a variation, the variation being the difference between where the missile is, and where it wasn't. If variation is considered to be a significant factor, it too may be corrected by the GEA. However, the missile must also know where it was. The missile guidance computer scenario works as follows. Because a variation has modified some of the information the missile has obtained, it is not sure just where it is. However, it is sure where it isn't, within reason, and it knows where it was. It now subtracts where it should be from where it wasn't, or vice-versa, and by differentiating this from the algebraic sum of where it shouldn't be, and where it was, it is able to obtain the deviation and its variation, which is called error." Was very schlarpized
for those curious, a database was set up for you to find out via your first & last name, and state you lived in, and check the last 2 digits & address to find if yours got lost. Mine didn't along with a few others I know, but their families were not so lucky. If your concerned about this giving them your name and state, all of those were included when it got leaked. For some missing context - they tried to sell them for 3 million, however, when the lawsuit when public they decided to drop all the SSN for free instead. This also includes people who are dead, is why its so many more numbers than US Citizens.
Quite funny how those SSN's can be used for ANYTHING without any kind of personal contact AT ALL. Every single swedish SSN is public info. Since its not a valid form of ID. But you cant use that to register for anything, since you need to actually be there in person with a valid ID, usually passport/national ID(issued at police stations) for big signups like bank loans and such.
Why on Earth is an SSN so important that it’s used as a security tool? That just seems so bizarre. And how was it even stolen? If it’s something so important and valuable. And on top of that 2.7 billion is a whole lot more than the 360 million Americans or whatever the number. What’s the rest of that?
Man im high af so the first thing i thought when they asked Thor if hes a middle aged hispanic woman was him going "sht idk am I?" then he looks in the mirror and sees a middle aged hispanic woman named Carsuella Guadalope and having an existential crisis. I gotta thank my plug later
There was an identity thief interviewed once who said it's the perfect crime. The people he steals from get reimbursed eventually and have a bit of a headache for a while. The people he really hurts are the banks, and he was fine with that. Kinda makes sense...
Put a credit freeze with all three bureaus. It’s a free option mandated by law. Basically the bureaus have to verify with you by direct contact if you are trying to take out new credit. No idea why it’s not the default status, but it’s way safer than just leaving your credit open. It’s slightly inconvenient because you have to unfreeze everytime you apply for new credit, but it’s a simple process
This is an actually good reason for keeping certain documents in paper only, actually going back in technology for certain things would end up being safer
That's my favorite reason to love my parents and having the weird IRL name I do. My Government SSN name is different than how every State and Private entity saves it in their files. Even speeding tickets miss me
Because the Bank took the fake application far enough to actually ask him, it shows the bank doesn’t basic security checks to stop fraud… checks like verifying the personal info on the application matches their own records.
It still baffles me that in the US you can opt for a HOME LOAN without presence or even a digital signature or some shit... Here in Europe we get notified of every online payment we make, and every payment needs a pin or a fingerprint
![Yeat & Quavo - 5BRAZY [Official Music Video]](http://i.ytimg.com/vi/4XxnTAwyxus/mqdefault.jpg)
How to freeze your credit and why:
www.usa.gov/credit-freeze
You can also read more about the breach here:
www.latimes.com/business/story/2024-08-13/hacker-claims-theft-of-every-american-social-security-number
im gay
@@godlegend-jz8kv we know
@@kula7465Because the amount of people who live in the US right now is not the same number as the amount of people who have EVER lived in the US
@@kula7465social security numbers (or SSN’s) are also used in Canada
@@kula7465he phrased/edited it weird but it’s 2.7 billion personal records which includes SSNs
"Hey Liz, is your full name Elizabeth?"
"No. It is Lizard"
From a meme I saw a couple years ago.
Little man!
Me naming my cat Cat, short for Catarina.
"Hey Cass, is your name Cassandra?"
"No, it's Casserole."
Also a meme XD
Meg from Family guy being called Megatron
This was in an old Garfield comic too
If your bank doesn't allow options to protect you against these types of attempts....get a new bank
Sounds like you need someone to protect you from the bank
@HhddGufif lemme guess... you think the government and the banks are all completely trustworthy?
..and maybe a lawsuit.
@@HhddGufif a farmer has an easier time keeping his chickens safe from a fox....if he doesn't put the fox in charge of his chicken coop
What really becomes a problem is when some dumb bank you don’t do business with gives someone a loan in your name. By the time you find out, it’s too late.
"Is your middle name 'Theodore'?
"Are you insane?! It's Thor, God of Thunder, Strength and Fertility."
"... Are *you* insane?!"
Don't tell them your actual name, that's social engineering 101
“Is your middle name Theodore?”
“Are you insane” is so hilarious
"No. My middle name is 'Thor,' just like you'd expect from any _respectable_ American. Sheesh."
"and then I changed banks"😂
also bank: "Are you a fat middle aged Hispanic woman? "
At least the data was recoverable not ransomed
@@Less_Serious adding the fat part is crazy 😭
Pirate Thor Software is a crazy name to name your child
"your" or "all" would have made a better middle name
@Tantakugames
That's the funniest comment I've seen in a while
Edit: Tagged the author of the said comment
😂
love this comment hahaha
no wonder why they mistook it for Pirate Theodore Software
The entire American SSN thing blows my mind. Like it’s unbelievable that a single number has so much power…
It's really not that unbelievable. SSN's are a government tool to keep the populace controlled and in check. We're forced to have them.
The classic problem with beurocracy. Everyone can see that using the primary key in a government database for identity verification is a bad idea. Nobody does anything to change it.
It's not supposed to. That was NOT the original intention of the social security number. It was originally JUST a number meant to uniquely identify workers to track social security earnings back in the 1940s. Cheap and lazy government and private institutions saw that there was already a system of identification in place and said, "Oh good we don't have to create a system because one already exists." Nevermind that because it's just an ID number it is in no way built for safety or security of information.
100% the bank attendant was having trouble keeping a straight face. They knew the answers, they just had to ask for legal reasons
Found you!
@@Qualicabyss イ・フクドゥ・ヨル・ママ
Jesus please never use google translate to try and write english with kanji. This was so bad.
アイ ファックト ヨウア ママ would have been the way to write this.
What you did was so bad. Completely illegible and shows a complete lack of understanding of transliteration.
@@gluttonousgoddessI think you meant to write "アイ ファックッド ユアー ママ", not "イ フクドゥ ヨル ママ"
@@gluttonousgoddess んなふうに日本語使うなよ…
Just some added info here.
Up until VERY recently it was heavily pushed by the welfare department that your social security number was NOT a form of identification as there was no validation or security.
Technically they still tell you that, it's just companies have ignored it for so long that welfare doesn't wanna waste the resources on getting the message out anymore.
Technically there is federal law limiting who can require you to provide an SSN, but it ends up being requested for all kinds of reasons. Be careful about who you provide your most sensitive info.
CGP Grey made a great video about this. Americans need ID cards with some actual level of security built in instead of pieces of paper with an unsecure number and no biometrics.
@@imitatsiya Indeed
@@imitatsiya or even better let people opt out of social security because it's a joke and a ponzi scheme now anyway... then we wouldn't need either one.
"It's just mostly annoying" is the sentence that resonates with me anytime I am inconvenienced in life.
"Identity theft is not a joke, Jim! Millions of families suffer every year!
"
Dwight was right all along
Dwight finally gets vindicated!
It's a joke when your credit is ass 😂 what are they gonna do build ky credit
@@jayceesarant4371 I think the bigger joke is letting your credit get so bad. 😂
@@cooliusmaximus5802 so being young is funny?
@@cooliusmaximus5802yes because credit is totally a measure of someone's worth 😂😂😂😂😂 youre dumb af if you think credit actually fucking matters
The fact that SSN are used as a 'secret' is just mind boggling
They used to say "NOT VALID ID" but companies ignored that because it was the one number nearly every American has, so it was convenient
@@bobthegamingtaco6073 and still americans refuse to make a national id when they already have one just without none of the securities is suposed to have like other countries
@@gamanyme trust me, I'm down for a national ID, but uh, how? If it costs money one party will veto it, if it's paid for directly then the other party vetos it, and the... "under-educated" will yell about it because "the government is gonna know where I live!!!" Because they haven't figured out that if you have a license, property, or pay taxes, then the gov already knows about you
@gamanyme I bet the auto industry is pushing that agenda. Making the drivers license the primary ID encourages people who wouldn't drive to get a license anyway.
@@gamanyme You think the US is bad for that look at Canada. Same fucking problem all we have is either a SIN number which everyone has or a passport which not everyone has. The rest of our ID is issued by our respective provincial governments. Have fun
Starts video: “You’re owned”
End video :it’s kind of an annoyance”
Best comment - not resonating with the NPCs.
Not only do what Thor says, also give your kids middlenames from Norse mythology, as a second factor.
Best two-step authentication going!
I’m going give my kid depmIk-kemnac-4defce as a middle name
Really should have more than one middle name for extra security protection.
Or have Nord, Baltic,Balkan,Eastern Europe name as middle name
It's originally from Germanic mythology, Norse mythology is just adopted Germanic mythology adopted.
Thor:
The only thing that stopped someone from stealing my credit loan is that the person did not know my middle name.
Also Thor:
My middle name is Thor...
he hired many goblins to stand guard over his vast treasury and plethora of vaults. Thor will not be deceived by a middle aged woman named Theodore.
Also Thor:
“The only reason my money wasn’t stolen was cuz the bank did their job, so I changed banks…”
@@Parker--did you even listen to the video?
Why are so many people getting cool middle names, and I got some bargain basement name?
@@Here_is_Waldo I feel you.
Social security, despite the name, is ironically a ridiculously overused and horrendously unsecure system. One number should not allow others to steal your identity and life away. The fact that she got your middle name wrong is hilarious, but lucky
I got out of the Army and couldn't find work. I tried to get unemployment. I was told there was an issue and need to go to the nearest office. Being unemployed, I had time. Turns out, I was still working... as a 50 year old Hispanic man. My unemployment was denied until I proved that I was me. I asked if they were going after Ivan Rodriguez if I can prove I'm the real me. They said 'no'.
Wonder if that counts for your retirement though, lol
@@ZealothPLit ought to, right?
@@vinito19It won't
Maybe if our country stopped letting people in illegaly there wouldnt have been an issue. The vast majority of modern identity theft is caused by illegals trying to steal our resources.
why would they waste their time lol bro would be long gone once his shit stopped working
For those wondering why SSN is so unsecure, it wasn't meant to be used for identification. It was made to keep track of what people earned for social security. Still the US is against any form of national ID so it was the closest thing to a universal identifier, specially cause issuing a child an SSN is a prerequisite to recieving tax benifits. They weren't even random till 2011, a few numbers are area specific and the rest were assinged sequentually. So if you look up public records and see who was born before or after you, you can guess their SSN with almost no error.
They weren't meant to be ID's but it was the next closest thing to it, cause the US is stupid.
I mean they were meant to be ID of a sort, literally for social security taxes! Which means a bunch of financial stuff got pulled into using it, which unfortunately is a lot of the worst stuff to get identity thefted with
yup, normal countries have IDs for this, but papa UK is insane about not having ID cards, so the US kid has the same brain damage
In particular, on top of guessing people's numbers that you knew, you also know that numbers directly before yours are valid and tied to someone.
I mean trying to find a person born right before you is also a tad difficult.
I'm a twin. I know someone who was born right before me@@Spungert
"Are you middle aged hispanic woman?"
"No, no i'm not."
"Is your middle name Theodore?"
"ARE YOU INSANE!!!!!??????"
"Are you a middleaged hispanic woman?" and "is your middlename not your middlename?" Are two questions your bank should not be asking you tbh
I think they do this when they call you, after they detect possible fraudulent stuff. I had a call with a bank rep after someone used my credit card, and they verified information with me before helping me out and getting that person to stop using my card.
@@shadow-r3852 exactly. The bank should just refer the database for the client information.
@samn6760 I reported my credit card as stolen as there was online fraudulent charges against it. They have an entire script they have to go through.
- Do you know anyone that lives there?
- Did you give the information out to any friends, family, or coworkers?
- Did you lend someone your card
-Etc
Just general formalities to make sure they have all the info they need when they push on.
Its depends how they asked, i would rather be informed about a attempt to scam, but if they asked those question like that, i worry because that mean they can't even check the sexe registered in my account, neither than my freaking names.
@@TsukuyomiMikoto Well, they could be checking that the information is not out of date.
After all, SSNs get reused when people die, as I understand.
All of a sudden Peter naming Meg, Megatron isn't so crazy after all
peter was onto something
Is this from a newer episode? I don't remember that.
No it’s old but I don’t remember which season you can just search “Meg is short for Megatron scene and it will pop up”.
"I'm Meg."
"Megan?"
"No."
"Megatron?"
"No."
"Megalodon?"
"Wtf?"
"Then what?"
"Megalovania."
Undertale is nine years old. Betting there is at least one elementary school teacher somewhere in the English-speaking world who has had this exchange.
I truly cannot believe that the US has still not fixed this broken system
Of course not, more theft means more tax breaks.
why would they fix it lol, the government has never shown that it cared for the people not even once, if it did name a president who actually made a good difference in their time in office, there hasn't been one since JFK and even longer before him
What would they do? Remember, if it costs money to fix the Republicans veto it. If you make Americans pay for it themselves then not everybody will. If it only gets handed out to certain people then the Democrats will veto it. So how do you make a universal, secure number, for free, and hand it out to everyone? And that's before people get upset that "the government is tracking us!!! Panic!!!" Because they can't put 1+1 together and realize that the government already tracks you if you work at a company, own property, own a firearm, or have a driver's license.
It's one of those fun things that gets caught up in technicalities. Issuing identification outside of passports is not one of the powers granted to the federal government, which means it's left to the states. We're sort of getting around the constitutional issue now by the federal government only accepting REALID compliant IDs, which includes the TSA, so states IDs are starting to be standardized.
By design.
Imagine how much crime could have been stopped and live not at least temporarily ruined if a proper national identity system was set up with actual security features like a picture, and the whole system wasn’t build off something that was never intended to prove to be ID. Even the bank example in this video would never have happened if the bank had a picture that was linked to the SSN used.
But but freedom,REEEEEE- someone that rejects ID
“Hey Thor! Are you a middleaged hispanic woman?”
“… Only on Saturdays, who wants to know?”
That's a good one
"Hey! Are you a middleaged hispanic woman?"
-Fckn batman canked bass pitch:
"What?"
"Sorry, Mr. Theodore"
Honestly this is more of problem in the US due to how incompetent most companies and entities are in doing proper identity validation.
In Europe, any identification number has no value and doesn't allow you to get anything
In the case of Denmark, banks require you to answer a few security questions before they're able to do anything... and that's after stating your name and government ID.
@@lukakrog also how it works in the US lol
well yes and no. Some verification services are now automated through software and if someone has your number they can fake an id with it to, for example order a phone contract or open a bank account. Ofcourse this wont work for anything big like a loan.
@TheDarknessOW Thats not correct either. Having your ID number won't be of any use. They need to have your phone or your actual ID plus Pin.
@@the_effect_de no were talking about creating accounts not accessing an existing account.
This is insane. In Brazil we use our SSN as a key to send and receive money to each other, it's basically very public information. That information alone isn't enough to do anything with it. The US is so prehistoric
Imagine thinking your victim is a chipmunk only to be descended upon by the god of thunder.
Fun fact: im a swede, and as a swede our SSNs are pretty public, it is literally our birthday and 4 more numbers. I believe theres even a place you can call to request someones 4 last digits, since you need someones SSN to, for example, sue someone
American SSNs are similar. If you got your SSN before 2011, the first 3 numbers are based on where it was issued, the next 2 are some administrative number, and the last 4 are sequential based on when it was issued. So if you know when and where an American was issued their SSN, you can figure out the rest. And this latest leak probably just screwed anyone else born after 2011
yeah pre-2011 definately sounds more public than post-2011, for a swede tho you almost know their SSN entirely if you know how old they are and when their birthday is
Yeah you can call the tax office
Isn't there a database where you can look up any Swedish citizen and find their full name, address and a map showing where they live and who they live with? 100% serious question because I kind of got a demonstration about it before
In the US, they were never designed to be a secure form of ID. They just kinda used it thay way because it's easier than setting up a whole new system, and here we are.
If someone steals my identity they unknowingly just caught a felony
Why would it be a felony with you and not literally anyone.. so if they steal from me, it's a misdemeanor slap on the wrist but with you... it's a felony... why are you special????? Who watches the watcher
Shouldn't it be a felony if they steal from anyone... not just you... your clearly a problem within the system.
@@kelb0y9o20 r/whoosh
He meant that he has a felony that they would now have since they are now him
You need to pass some strong customer authentication laws in the USA. It's mind boggling how much easier is to spend someone else's money there.
More consumer protections means it's harder/more effort for businesses to take your money. Businesses and the ownership class rule America. The rest of us should consider ourselves fortunate we're allowed to live and be employed.
@@sieda666A system is inefficient and outdated, must be the 1% le evil heckin capitalism, am I right?
But the mark of the devil
we are fucking working on it
So the your bank is like: Is Jason T. Hall a middle aged woman? It doesn’t say the age/gender on the file? The only thing that is needed for a loan is a SSN and not a passport?
What insanity is going on in USA
I’ve heard of people taking credit cards in their dogs name. Nothing surprises me anymore
So, not quite how it works. She probably used the SSN to get into his account (which is a risky but possible thing to do), and from there filled out an application for a loan. If you do it online and your bank is dumb, then it's possible it would've gone straight from her to an approval agent, and said agent wouldn't know anything until they started the approval process. Name, gender, and race were probably step 1 of the approval process, so it failed immediately, but she still got to his bank info off of his SSN, meaning he had to change banks
@@mitko1955 As an American, what's a passport?
The verification process varies based on the type of credit. Credit card is most basic and they just verify that the information submitted matches the credit report. Even then, it doesn't have to be an exact match.
For a home loan like this example, it goes much deeper. You have to submit bank records, pay stubs, ID, and pass ssn verification.
See, the thing is the USA has inversely proportional capabilities when identifying their own citizens vs. the citizens of other countries.
"People not knowing my middle name saved me from credit fraud. Also my middle name is Thor."
Maybe it is a good thing. It is about time banks and businesses stop treating knowledge of SSN as proof of ownership. It should be printed in the ID, and only valid alongside it.
Or just abandoned entirely. It is archaic and not necessary anymore
Friend of mine who works in datasec once casually mentioned “oh your bank details _are_ just sort of out there, if your shit gets hacked you’ve basically just fluffed a saving roll. Nothing to be done really” and then just _moved on_
It's so true! Even when you write a check it has your address, name, sometimes phone number, and account and routing number. You handed a cashier your debit or credit card? It takes 3 seconds to take a picture of the front and back
Your best bet is to monitor often, set up 2FA where possible and also alerts for unusual activity. :)
I work in credit disputes. If someone does succeed in creating an account or does an inquiry on your credit contact the bank. They usually have loss prevention departments that who you want. Have them investigate the fraud. Go to the police too with any evidence you have and provide that to the bank as well. Overturning and deleting fraud accounts is one of the best parts of my job. I literally fix peoples credit.
Most people don't know this; but when doctors and medical facilities want your SSN; it's primarily for personal ID reasons; they RARELY need the whole number; so you can just give them the last four digits, or tell them know and offer a random four digits which they will use as your 'personal ID'.
What are the odds that your full name, matched with four random numbers; will be duplicated by someone else at that same exact bank or hospital? Pretty much zero.
Learned that when I worked for a physical therapy company when I was 16(worked there for about four years); lots of shit you don't need to tell them that they ask for; and it's why a lot of nurses or those with access to the medical charts steal people's identities; it's staring at them all day because people hand it over so willingly.
It'd be like handing over your debit card information to 100+ people and hoping no one takes advantage of it.
I got transferred to a hospital that straight up asked me my SSN as we passed a waiting room (luckily, was empty). It's so insane that they ask for that up front, catching you off guard when you're already not feeling your best. I didn't know you could refuse then and give them info later (once you're actually IN A ROOM).
My dentist told me they needed my SSN because, in case I didn’t pay, they would have a way to come after me. I told them “no thanks, if that’s the case I’ll go somewhere else”. They didn’t want that, so they allowed the account to be filled out without an SSN. So anyway, considering there may be legal stuff surrounding the collection of payment, couldn’t the act of giving false info about one’s SSN to a company be considered fraud? I don’t know anything about this but I’m very curious if this would have any consequences, because if not then I’ll just resort to always giving fake SSN numbers in order to protect myself from leaks.
Michael ... Smith.
My SSN was leaked during the Experian leak a while ago. Ever since then, I keep my credit check stuff all locked up so no one can try to start a loan in my name. I have to actually unlock it for anyone to do a credit check such as buying a car or moving to a new place. I have it open for a few days and lock it all right back up as soon as I'm done.
You can… do that??
@@StarWarsomania yes just sign up with all the major credit bureaus (Experian, TransUnion, and Equifax) and put a freeze or lock on your credit. It's 100% free and something everyone should do tbh because you never know if your info's been leaked somehow.
@@StarWarsomania yup, you can do it through Experian and the other two credit agencies (I forget the name off hand). It means that no one can do a credit check on me unless I unlock it.
@@StarWarsomania Look up how to freeze your credit. It's free, you just have to take a half hour or so with each of the three credit bureaus. Experian is a bit of a shit in making it hard to find, so watch out for that.
@@StarWarsomania You can put a freeze on your credit yes. Mine is also frozen across every major reporting agency. In order for me to apply for any type of loan I'd have to go in and unfreeze it. I already have everything I need though, so it's not likely I'm ever going to do that. Experian, Transunion and Equifax are the big three. You can go through them to basically reject all future attempts to pull your credit, which will result in denial of loans.
It basically just makes it impossible for anyone to do hard pulls of your credit, which in turn means essentially all credit applications will be denied. Honestly, everyone should freeze their credit if they're not going to be seeking loans or opening credit card accounts in the near future. There's no real downside to keeping it frozen.
Man, thank you for this. I locked my credit reports, but I was legit worried about the 'unknown unknowns' and this helped me relax a bit.
THANK YOU FOR MAKING A SHORT ABOUT THIS. I would have entirely missed this otherwise as I and most of my friends are actively tuned OUT of the news cycle. Now with my determination to help people, and the willpower to write medium length announcements in message boards and discord servers, I can let others know effectively.
I second this. Very thankful this video was posted. :)
Small correction: The 3 billion records weren't each a different person... There were often multiple records per person. So half the world's population weren't pwned, but still it's hundred
hundreds of millions and everything else Thor said is 100% applicable.
bigger correction, the "leak" just generated all possible ssns, they're not associated with anyone's name, that leak was a satire and Thor looks high in this case.
Half the world doesnt have a SSN to begin with. American education wooooo
Half? Try like 4%
nothing happened after the equifax breach and they all already got lost then
Hackers already have access to our numbers as soon as we are issued them at birth so it doesn't really matter.
Leaking the only reason you didn't get pwned is a bold move man.
the government already owns me
You've said too much! Lol
So what’s your SSN then?
@@ytprv1890you doing something?
Gulag tag/ prisoner serial number etc...
Still room for a middle aged Hispanic woman to have ownership
Thank you for the *PUBLIC SERVICE ANNOUNCEMENT*
This should be every where but of course I learn it from the Goblin King
I mean, it’s been broadcast everywhere across the internet, news, and social media now for days. Is this one channel only source of media you watch?
@@bob_kazamakiswho gives a shit if it is
@@servantbyday because this short talking about 4 day old news isn’t a public service announcement? And they also said “this should be everywhere”… like it hasn’t been already… for days…
@@servantbyday Expand your horizons my guy, don’t bubble yourself.
@@bob_kazamakis I mean I only saw it now cause of this but I also don't look for news at all - just occasionally things will show up in my Google feed when opening a new tab in chrome on my phone. If it's not there in the top 5 results or recommended on RUclips I wouldn't know about it ¯\_(ツ)_/¯
i love the implied appreciation at the fact that "we live in a time, where this is just an annoyance."
Bro changed from "You're owned" to "It's just an annoyance" real quick
Yes but also;
We have all your email addresses, probably your phone number, some physical addresses, and probably your SSN so if someone wanted to absolutely destroy your life through any number of means the information is there
I think "owned" is just a common expression for when people's information has been breached
Yeah, totally wrong. Hundreds of thousands of ppl will get fucked bc of this (US population is 330 mil). Sometimes fighting identity theft alone can cost $10,000s and set your credit to shit.
Imagine being ready to buy a house and finding out your credit score is in the 400s. Or that you have two dozen credit cards in 5 states you've never been to.
I mean they have my full name, full address, full ssn, any information they could possibly need to impersonate me. And the only way I know to protect myself is some a fucking twitch streamer. Thanks government.
@@singhmastr
Odds are they already had all of this from one of the may data breaches from companies you have been required to give your SSN to.
Big brain move on your parents' end. Nobody would have possibly guessed that your middle name is THOR.
Nobody except 2.2 million subscribers. No big deal.
thx for the tip Thor, froze my credit right after seeing this video, been meaning to do this for years as I don't need any more loans at the moment.
The US Government when the identification code they deliberately avoided making secure is unsecure 😲😲😲
Well, when they originally made it the cards also clearly said that it was not to be used for identification purposes. I believe this was removed back in the 70s.
The issue is not with the government. The issue is with private companies using this number for identification, a purpose it was never intended for.
@@kurtfrederiksen5538 The government uses it for ID stuff too, so they are partially complicit. They should have just sucked up the criticism and made a ID number with proper security features
@@kurtfrederiksen5538 the issue was non-existence of propper id what was the reason why companies wouldn't have anything better than ssn.
@@stannumowl I am not following. Is the issue that the company did not want to generate and maintain their own unique ID? Or that the government did not provide private companies another unique ID which could be used as a secret/passcode/authentication?
It is worth pointing out that SQL and many other database languages have had a function which will generate a unique ID for like 20-30 years now.
@@kurtfrederiksen5538 that's about goverments doesn't provide anything that can be used to reliably distinguish one person from another.
SSN can be used that way because almost everyone have it and it is a unique number for citizen. But it wasn't designed to be used that way and that's the reason of problems.
uuid in sql are nice but they leave the question is John Doe born on 01-01-2000 the same John Doe that is already in the database or different one on the company
That woman would have never thought that his name was Thor 😂
Contact the 3 credit companies and lock your credit.
You should freeze your credit anyway. There is no reason to leave it available if you’re not actively getting a loan. Even then you can unfreeze it for a specified amount of time for what you need done.
Interesting 🤔 I wonder if there's a way for people to check if their SSN was included in the breach. There SHOULD be a way to check, since apparently the government can't keep our info safe. And f that hacker.
Does freezing credit keep you from building it as well? I'm currently, actively building on my credit in an attempt to actually have something to my name one day.. and while I'm terrified of this breach, locking my credit into a subpar range while I'm doubling down on loan payments does nothing for me either. I'm wondering how best to handle this.
@@talyahr3302 to freeze your credit, you need to make an account with Transunion, Equifax, and Experian. They'll encourage you to get a premium one, but the free one is all you need. When you make an Experian account, they'll do a one time free scan across a bunch of darkweb and info sites looking for it and let you know if they find anything. I have a Discover card and one of the perks of it is that they regularly run that same scan for me at no charge. I knew that my info had been leaked about a week before people started talking about the massive data leak.
@@ThePluviaumbraA credit freeze will stop anyone from requesting info about your credit. So any current accounts or systems that you're using will be unaffected. So your credit score will still reflect your actions even during a freeze. That said, if you need to take out a loan, get a credit card, buy a car, or sign a new lease/rental agreement, you'll need to unfreeze or temporarily thaw your credit score so they can see your score. You will need to make an account with each credit bureau individually (Transunion, Equifax, and Experian). The Experian and Equifax sites do a REALLY good job of explaining how a credit freeze works and what it does and doesn't do.
@@ThePluviaumbrano it doesn’t affect it
We live in a time that i answer my phone silently and wait to hear what's on the other line, knowing they be trying to record me saying any words at all to compile a.i voice
Thor actually has a short about that and how because he's a streamer it's a very real threat. So all his banks/big things require him being physically present
Thor's version of two-factor authentication: having an usual middle name.
...all over the internet :)
Buddy, they're liable to give me their credit instead.
Dudes about to infect the hackers with bad credit😂
Bank: Are we dumb?
Goblin Lord: YES
If someone stole my identity I’m pretty sure they’d just give it right back with a sorry letter.
You have a right to freeze your credit for free. Recommend.
With implications though
@@rosen9425 nothing happens to your credit. It just keeps people from accessing your records for new credit.
@@rosen9425which implications? Don’t spread FUD
@@rosen9425 The implications are that it could effect your score and you need to unfreeze it when you want to apply for a loan
What do you mean you are not a Hispanic woman?! your disguise is flawless
If you mean goblin,they should definitely get that loan but instead they use woman identity... because he is in fact the goblin lord and the only legitimate goblin lord know by post office officially
For those that have our data that we have no say in (Credit Bureaus, Social Security, Government etc.) they should be charged with criminal negligence because they don't practice due care and due diligence. Working with them through security assessments, I give vulnerabilities and remediations and they get ignored, they show back up the next year like clock work. they need to be held accountable for protecting our data, it's their literal asset.
This identity theft thing brings up a little story I had in an Uber once. Driver asks me, "hey! Is your name actually _____?" And I'm like, "yeah, man. It is. On my birth certificate and everything. Ahha"
"Oh! That's really cool! I'm actually happy about that! Can I talk to you about something?"
"Yeah, go for it. I'll listen."
Talks to me about how for the past month he's been fighting identity theft. He's been fighting his bank. He's been trying to call and fix everything that's been done under this name.
At the end of the ride, he says, "hey, thank you again. I'm going to use this as a sign that I got to keep fighting this. Thank you, thank you."
And I'm like, "well, I'm glad I could help even if it's just my name and me being ear to listen to your story. I wish you the best."
I hope he won.
everyone also needs to know that if your bank lets someone commit fraud on your account, its literally not your problem... when they tell you to hide your pin.... its for them not you
It is a bit of both though. If they aren't required to implement these measures it would also be easier for someone to mess with your things. So yes they say that for them, but the effect is more safety for you.
at this point I'm not even doom scrolling anymore and just see your videos while watching long form youtube vids
As a European it seems rather dumb to me that all person needs to commit an identity theft in the US is a SSN.
Like seriously? No need to see your VALID ID card or passport? No need for you to be present in person for any bigger thing (like loan above certain ammount and so on)? No personal pin or finger print to confirm the request?
It seems to be utterly flawed and insecure system.
It is insecure system, indeed. I mean I wouldn't be happy to see my PESEL online but that wouldn't be anywhere close to the American SSN leakage.
Generally a company is going to ask for multiple forms of verification. Which is where state ID comes in, nowadays those are wayyyy harder to fake than a few decades ago. There’s holograms and chips. But I don’t believe there’s no law that requires it. Theoretically if someone was charismatic enough, they could get away with a lot with just the number
you also need a birthday but since the SSNs are in order, it's easy to guess the birthday once you have the number.
As many other people have said, it's important to understand that SSNs predate the modern internet by about 75 years and, crucially, were NOT INTENDED TO BE USED AS IDENTIFICATION. It's the systems that have built up around them over time that are stupid, not SSNs themselves.
@@ValkyrieTiara look the ssn isn't stupid by itself. What is stupid is that you didn't create identity number when you had need for it. Btw, most of European identity numbers are predating internet and some of them even predating ssn
There are only 1,000,000,000 possible permutations of a SSN, so I assume when you say 2.7 billion were leaked you mean including other information such as name, address, etc. and that also includes dead people.
nah he just mean he can't use brain :-D
@@Khaltazar it might include other countries NIN. Same thing as ssn, just not the us version.
"Someone almost successfully defrauded me but she didn't have one piece of information. Anyway, here that information is"
@@Dogjitsu Fair point, but it's not like he revealed that information in this short specifically. He's talked about it before so it was already available
Babe wake up, new pirate software short dropped
I'm up
"Is your name Theodore?"
"My dad is Odin peasant."
At this point, everyone's credit should just be frozen by default. if you need to buy something big, you're making a trip to the bank anyways, unfreezing your credit can just be a routine step in that process
"The missile knows where it is at all times. It knows this because it knows where it isn't. By subtracting where it is from where it isn't, or where it isn't from where it is (whichever is greater), it obtains a difference, or deviation. The guidance subsystem uses deviations to generate corrective commands to drive the missile from a position where it is to a position where it isn't, and arriving at a position where it wasn't, it now is. Consequently, the position where it is, is now the position that it wasn't, and it follows that the position that it was, is now the position that it isn't.
In the event that the position that it is in is not the position that it wasn't, the system has acquired a variation, the variation being the difference between where the missile is, and where it wasn't. If variation is considered to be a significant factor, it too may be corrected by the GEA. However, the missile must also know where it was.
The missile guidance computer scenario works as follows. Because a variation has modified some of the information the missile has obtained, it is not sure just where it is. However, it is sure where it isn't, within reason, and it knows where it was. It now subtracts where it should be from where it wasn't, or vice-versa, and by differentiating this from the algebraic sum of where it shouldn't be, and where it was, it is able to obtain the deviation and its variation, which is called error." Was very schlarpized
for those curious, a database was set up for you to find out via your first & last name, and state you lived in, and check the last 2 digits & address to find if yours got lost. Mine didn't along with a few others I know, but their families were not so lucky.
If your concerned about this giving them your name and state, all of those were included when it got leaked. For some missing context - they tried to sell them for 3 million, however, when the lawsuit when public they decided to drop all the SSN for free instead. This also includes people who are dead, is why its so many more numbers than US Citizens.
Data brokering needs to be illegal
Quite funny how those SSN's can be used for ANYTHING without any kind of personal contact AT ALL.
Every single swedish SSN is public info. Since its not a valid form of ID.
But you cant use that to register for anything, since you need to actually be there in person with a valid ID, usually passport/national ID(issued at police stations) for big signups like bank loans and such.
Lady getting out of prison watching this like: “oh Thor okay, let me try again” 😂😂
Luckily neither of my banks do loans, soooooooooo
Still going be checking all the time
So....Thor,the god of thunder and his dad who possibily named him saved him from going brankcrupt😅😂
Thanks for giving us your middle name, I really needed this home loan Thor
Why on Earth is an SSN so important that it’s used as a security tool? That just seems so bizarre. And how was it even stolen? If it’s something so important and valuable. And on top of that 2.7 billion is a whole lot more than the 360 million Americans or whatever the number. What’s the rest of that?
Copies
People have given their number out to more than 1 institution, so there is more than 1 record per number
Man im high af so the first thing i thought when they asked Thor if hes a middle aged hispanic woman was him going "sht idk am I?" then he looks in the mirror and sees a middle aged hispanic woman named Carsuella Guadalope and having an existential crisis. I gotta thank my plug later
Having the middle name being Thor has got to be a flex to me, that is awesome
Thanks for clearing that up
Well that's one way getting someone's key to their heart.
"Are you insane?" I'm dead 💀
“Meg is short for Megan right?”
“No it’s short for Megatron…”
Im glad smart goblin lord finally explained whether i should be worried because im not reading the fucking news
Huge props to your parents for legally naming you Thor
There was an identity thief interviewed once who said it's the perfect crime. The people he steals from get reimbursed eventually and have a bit of a headache for a while. The people he really hurts are the banks, and he was fine with that. Kinda makes sense...
Every time my credit is ran I get a notification asking if it was me or not
the secret is having an identity no one wants to steal
Thor actually being your middle name is wild👀
Put a credit freeze with all three bureaus. It’s a free option mandated by law. Basically the bureaus have to verify with you by direct contact if you are trying to take out new credit. No idea why it’s not the default status, but it’s way safer than just leaving your credit open. It’s slightly inconvenient because you have to unfreeze everytime you apply for new credit, but it’s a simple process
It's not annoyance, it's negligence.
This is an actually good reason for keeping certain documents in paper only, actually going back in technology for certain things would end up being safer
That's my favorite reason to love my parents and having the weird IRL name I do. My Government SSN name is different than how every State and Private entity saves it in their files. Even speeding tickets miss me
Soooo, your bank successfully protected you from being ruined and your thanks was to drop them lol.
Because the Bank took the fake application far enough to actually ask him, it shows the bank doesn’t basic security checks to stop fraud… checks like verifying the personal info on the application matches their own records.
"Hi, I'm your Bank. You trust me with all your money. Who are you?"
Yep, sounds like exactly the time to change Banks. LMAO!
“No, no I am not…how big is this house I am trying to buy though..?”
Identity theft is not a joke jim. Millions of families suffer from it every day!
It still baffles me that in the US you can opt for a HOME LOAN without presence or even a digital signature or some shit... Here in Europe we get notified of every online payment we make, and every payment needs a pin or a fingerprint
When he said "Identity theft", I really got how Dwight Schrute felt, whose identity was stolen and he moved to Germany. 😢