Identity theft.
Surely, somewhere some victim of identity theft has suffered vast financial losses without recoup.
Surely, many victims of identity theft have a harder time getting approved for loans, leases, or even government clearances and background checks. These things are explainable, but isn't the fact that a person has to deal with this for the rest of their life (or at least 10-15 years following an identity theft event) enough of a problem that you would say it has caused a person "significant, damaging impact"?
Now she doesn’t leave home without police reports and documentation that she has been the victim of identity theft.
https://www.javelinstrategy.com/press-release/identity-fraud...