Unless you’re in a jurisdiction in which they’re liable for that mistake.

I don't think there's any jurisdiction that puts the identity theft victim on the hook for fraud. Yes, you might get threatening letters or dings on your credit report/score while the issue gets sorted out, but that's not the same as being "blamed" for the identity theft, any more than someone wrongly accused of a crime is "blamed" for the mistaken identity.

	▲	immibis 9 days ago \| parent [-]
		There's probably no jurisdiction that says the victim is on the hook, but plenty where the victim is on the hook by default and it's not possible for them to exercise their theoretical rights.