A woman applies for a mortgage and discovers that someone has opened credit cards, taken out loans, and accumulated debts in her name, destroying the credit score she spent years building. The identity thief used information from a data breach she never knew occurred at a company she does not remember doing business with. A man receives a call from his bank about suspicious activity and learns that his account has been drained through a series of transfers he never authorized, initiated using credentials harvested when a retailer's payment system was compromised three years earlier.