HARLINGTON WOOD, Jr., Circuit Judge.
This case illustrates the problems a lost or stolen wallet can cause. With that wallet and $10, an unknown woman used plaintiff Deeanna Brewer's name and identification to open a token checking account at a credit union. Forty bad checks later many merchants had inundated the plaintiff with demands for payment. The forger was never located, leaving the plaintiff — who had never had a checking account — with the problems...
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