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  3. March 27, 1997, dawned as a normal day at the Collins’ home. By the middle of the morning, Jack Collins was at his desk, writin

March 27, 1997, dawned as a normal day at the Collins’ home. By the middle of the morning, Jack Collins was at his desk, writin

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问题    March 27, 1997, dawned as a normal day at the Collins’ home.  By the middle of the morning, Jack Collins was at his desk, writing checks, paying bills the way he always had: on time.  
   Then the phone rang, and the nightmare began.  
   (31)An investigator for a bank was on the line, asking in a severe voice why Collins, a university physicist, was late on payments for a $27, 000 car, bought in Virginia the previous year.   
   "I don’t have a car like this," Collins protested. The last time he had set foot in Virginia was as an officer at a submarine base, three decades ago. But his name was on the contract, and so was his Social Security Number.  
   During the months that ensued, he and his wife learned that someone had bought four more cars and 28 other items-worth $113,000 in all-in their name. Their hitherto good credit record had been destroyed.  (32) "After a lifetime of being honest," says Collins, "all of a sudden I was basically being accused of stealing and treated like a criminal. "  
   This is what it means to fall prey to a nonviolent but frightening and fast-growing crime: identity theft.  
   It happens to at least 500, 000 new victims each year, according to government figures.  
   (33) And it happens very easily because every identification number you have--Social Security, credit card, driver’s license, telephone-- "is a key that unlocks some storage of money or goods," says a fraud (欺诈) program manager of the US Postal Service. "So if you throw away your credit card receipt and I get it and use the number on it, I’m not becoming you, but to the credit card company I’ve become your account. "  
   (34) One major problem, experts say, is that the Social Security Number (SSN)-- originally meant only for retirement benefit and tax purposes--has become the universal way to identify people. It is used as identification by the military, colleges and in billions of commercial transactions.  
   Yet a shrewd thief can easily snatch your SSN, not only by stealing your wallet, but also by taking mail from your box, going through your trash for discarded receipts and bills or asking for it over the phone on some pretext.  
   Using your SSN, the thief applies for a credit card in your name, asking that it be sent to a different address than yours, and uses it for multiple purchases. A couple of months later the credit card company, or its debt collection agency, presses you for payment.  
   You don’t have to pay the debt, but you must clean up your damaged credit record. (35) That means getting a police report and copy of the erroneous contract, and then using them to clear the fraud from your credit report, which is held by a credit bureau. Each step can require a huge amount of effort.
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答案而这类事很容易发生，因为你所持有的每一种证件号码，譬如社会福利登记号、信用卡、驾照以及电话号码，“都是开启你存储钱物的密码，”美国邮政总局的一位负责诈骗案的主管说。
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