A policy stating that American citizens only have to file ONE fraud complaint and only to the department of homeland security.
Then require DHS to create a Fraud Database of the victims names.
Require all creditors, bank institutions, drivers license bureau’s, etc. to check the Fraud Database prior to granting approval to anyone.
Require all institutions to share information between themselves, and with the victim.
Put penalties on all institutions if they grant approval, after the victims name has been added to the Fraud Database.
Have a new Social Security number, and drivers license number issued to the victim upon the report of stolen identity.
Require all the credit agencies to transfer the victim’s credit history to the new ID.
Prosecute thieves for excessive terms to deter the theft from occurring at all.
Home identity theft should not even be a thing. Eliminate all that information off line. All interactions must be in person with proper documentation.