Comment by ivell

The root cause of identity theft in USA and some other places is the lack of "proper" national identity and the associated use of various personal "secrets" (not that secret) for identity verification because there are no good easy other ways.

Businesses in Scandinavia and many other countries would not treat someone knowing your personal information as any evidence of identity (because it's not); having all that information is not sufficient to impersonate you there - identity theft does happen but it would require stealing or forging physical documents or actual credentials to things like bank accounts; knowing all of what your mother or spouse would know is not enough to e.g. get credit or get valuable goods in your name.

"Identity theft" is newspeak right up there with "intellectual property". It serves the sole purpose of diminishing real theft. If someone says "we gave all your money to this other guy, but it's not our fault because he had stolen your identity" doesn't make it so. There are cases of mistaken identity, and with criminal intentions, but there is also an enormous majority of not checking identity because someone was lazy.

Just knowing someone's name, address, and ID number isn't enough to like, open a bank account in their name or such. You'd need a proper ID card or passport for that. Similar thing with most businesses if you try to pay for some product with credit, they won't accept just a few digits and a pinky promise, you'll need to identify yourself properly (the BankID app for instance).

Just knowing the personal number is not enough to do much with. To get access to services, verify who you are on when talking to companies there is a verification step, most commonly with the BankID app.

Visual example: https://images.ctfassets.net/b2dmfxhmyqno/1cD0YDHjd9DGZnWfjH...

Identity theft and spam still happens, just not through knowing the personal number.

We just change our identity every three years or so.

https://www.youtube.com/watch?v=BK2gKuqbOHo

Unlike American SSNs, which are secret and wield certain authoritative powers, a Scandinavian "person number" is neither secret nor authoritative. Common misconception.

Of course ID theft happens but I think one thing that differs is that in Sweden it is harder to get a loan without verification that you are who you are (for example by Swedish BankID wish is an electronic id) while in US it seems you can take a loan if you just know someone’s social security number

It's just a unique ID of a person, it's not a password. I don't see how you can be confused by this.

they don't handle it at all. they let it go on. you for example have hundreds of people falsely registering their place of residence as somebody else's home, which causes massive problems for that home owner or apartment resident, and there is nothing done about it at all.

These types of laws are designed for the 1950s where there were natural barriers to acquiring and disseminating information. There is no attempt whatsoever to update them and to reduce harm caused to the average citizen today.

> How do they handle identity thefts

By just accepting it as a normal fact of life that you will have some random stuff ordered in your name sooner or later with an invoice you'll have to dispute. Happened to a relative of mine, police do not care unless they order things above a certain value, without a police report you cannot get free ID protection, and then you'll have to sit for a long time in phone queues trying to cancel a subscription for a streaming service or whatever they ordered while get thrown around by support reps who go "you SURE you or someone in your family didn't order this?"