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I don't care what your eyeballs tell you. Alternative fact is, we've locked up your files

Doctor Syntax Silver badge

"There has to be another element to this type of fraud, some way in which the attackers cause the mark to believe that something actually happened"

If this happened when the great Windows 10 mugging was in progress that might have been enough. Alternatively they have a real virus which renames everything with a .crypto suffix.

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