The whole concept of "identity theft" is this. Consider this: some dude D comes to bank B and says "I'm actually John Smith, given me $TONS of money". Bank gives the money and D disappears. Now B comes to actual John Smith and demands the money back. John is like "how it's my fricking fault that you gave your money to some random dude?!" And the bank pulls out the "identity theft" card out - you see, your "identity" got stolen, so now it's your fault for not guarding your "identity" properly, not ours! So now you should spend your time and money to fix it and we will treat you for years as a suspicious character, borderline criminal, for it. A very neat system.