Here is how cloning occurs: When your phone makes a call, it transmits the ESN and MIN to the network at the beginning of the call. The MIN/ESN pair is a unique tag for your phone -- this is how the phone company knows who to bill for the call. When your phone transmits its MIN/ESN pair, it is possible for nefarious sorts to listen (with a scanner) and capture the pair. With the right equipment, it is fairly easy to modify another phone so that it contains your MIN/ESN pair, which allows the nefarious individual to make calls on your account.
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