In the example of identity theft, what action does Joe take without Jim's permission?

The action that Joe takes without Jim's permission that represents identity theft is using Jim's Social Security number. This act allows Joe to impersonate Jim, which is the crux of identity theft; it involves using someone else's personal information to commit fraud or other crimes. By using Jim's Social Security number, Joe gains access to Jim's credit history and other personal records, which can enable him to open accounts or obtain financial benefits in Jim's name without his consent.

The other options involve actions that may constitute fraud or theft, but they don't directly capture the essence of identity theft as clearly as using someone's Social Security number does. Buying a credit card in his name would typically imply Joe is trying to set up a new account fraudulently rather than stealing Jim's identity. Withdrawing money from Jim's account would be viewed as direct theft of funds, while changing Jim's financial information is an act that might involve identity theft but is more about manipulation than the specific use of impersonating Jim through his Social Security number. Overall, the use of a Social Security number is the foundational act of identity theft that can lead to various fraudulent activities.