Personal experience:
Buying a refurb system at BestBuy.
I ask the floor walker - "You guys do a full reinstall on these, right?"
'Oh yes. Just like it came from the factory'
Later, asking a manager the same:
"Oh yes. Every system we get back has a full wipe and factory reset"
Later, when I get it home, poking around in the Registry:
Original owners name, address, phone num, credit card num.....
Some application he registered or paid for stored that in the Reg.
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My neighbor, school teacher, buying a system from a coworker.
It was kind of funky, so she asked me to take a look at it.
5 minutes of poking around...."ooohhh"
I pushed back from the desk and said "Mary, you need to call the police. Right now. If you don't, I will"
Some things cannot be unseen...
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Never trust what the seller says he did.