…tools that platforms sell are helping impersonators reach people. Three records, one shape. Someone acted in another's name, without them, and the system could not tell the difference. Consent became a field…
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On August 31 federal officials canceled about 315,000 HealthCare.gov marketplace policies covering more than 760,000 people. The rule that followed describes them this way: enrolled through an agent or broker, no verified citizenship or immigration documents, no claims, and nobody the insurer could reach. On September 24 a federal judge sentenced a man whose scheme filed more than 500 pandemic unemployment claims in 27 states under at least 375 stolen identities, and the FTC asked whether the ad tools that platforms sell help impersonators find people. These records share one shape. Someone acted in another's name without them, and the paperwork could not tell the difference. CMS says a victim may first learn of it from a Form 1095-A at tax time, and the Labor Department says the same of the 1099-G. Fixes keep arriving long after the harm, because the evidence that justifies them arrives late. The defense is to read your own records at the source before someone else's paperwork does. A checklist for before November 1 follows.
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