Very simple, I do not know of any countries the United States maybe besides Canada where someone can be found and brought to justice for this type of action, again I said maybe Canada.
Morally this behavior is wrong unless there is a true hardship, what this does is that it makes it harder for honest, hardworking Americans to be offered credit, interest rates are affected by this, etc... and it is morally wrong and goes againts the very fabric of our nation. This is wrong!