Cross-referencing ids?

[Cheetah]

If a driver's liscence or a passport is stolen, is it blacklisted on a database that banks can access, to cross-reference people starting new bank accounts? Or is there no such database. A child's passport might be better, because they can still be 11 or 12 in the photo.

A good excuse would also be useful for starting a new bank account with a different bank. Perhaps trying out a debit card your previous bank doesn't offer, or because you're sick your old bank. It has to be done without any other bank account being merged into the new one.

[Æhµ]

Stolen Passports and DL's are blacklisted by the issuing agency, so if the bank does check them out you could be busted, but AFAIK they don't verify them at the issuing agency.

The real danger is systems like ChexSystems or their equivalent that banks use to verify SSNs and DL numbers. They check that this account holders hasn't had write offs or overdrawn accounts. What happens if the same SSN shows up but under two different DL numbers or names? Red flags everywhere.

Google Chexsystems to see what they do. Usually if flags go up the bank won't open any account for you, but in the case of a stolen ID they might tip the police off. The Chexsystems site claims to work only off of SSNs but I know for a fact they track DL numbers too.

[m3rcyrt]

I dont know about outside the United States but here in the US (or at least California) a lost or stolen ID is just as good as the new one. The stolen one will have the same DL number as the new one. So the only difference will be issue date, picture and possibly vitals. No idea about passports. Law Enforcement (federal, state and local) are always crossed out and they are issued a new ID number (each INDIVIDUAL law enforcement agent has a ID number and each ID he is issued has a ID number, so a physical card CAN be blacklisted) I assume its the same for passports or any other Federal ID.