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Data security, which is concerned with the prevention of unauthorized accessto computers, databases, and websites, helps protect digital privacy and ensuredata integrity. It is extremely difficult, however, to make securitywatertight, and security breaches are not uncommon. The consequences of stolencredentials go well beyond the leakage of other types of information becausethey can further compromise other systems. This paper criticizes the practiceof using clear-text identity attributes, such as Social Security or driver'slicense numbers -- which are in principle not even secret -- as acceptableauthentication tokens or assertions of ownership, and proposes a simpleprotocol that straightforwardly applies public-key cryptography to makeidentity claims verifiable, even when they are issued remotely via theInternet. This protocol has the potential of elevating the business practicesof credit providers, rental agencies, and other service companies that havehitherto exposed consumers to the risk of identity theft, to where identitytheft becomes virtually impossible.

Why the Equifax Breach Should Not Have Mattered