I don't think so, because it never goes any further than those initial harrassments. If someone had got a loan in my name, I think I would have received escalat

I don't think so, because it never goes any further than those initial harrassments. If someone had got a loan in my name, I think I would have received escalating demands, culminating in a court summons. That never happens - they just keep calling wanting to discuss a loan application, or sending emails saying that a payment is overdue. I suspect they hope that they can just get people to talk to them, and then convince them to take a loan. If it is "honest" identity fraud, then they obviously don't have the checks in place to deal with it - either way, they're not good companies to deal with (IMO).