> How is it a thing that a bank can give a loan to anyone claiming to have my name and SSN, without verifying that, and then hold me legally responsible for the

> How is it a thing that a bank can give a loan to anyone claiming to have my name and SSN, without verifying that, and then hold me legally responsible for their lack of judgment? They can't. That's not to say that it doesn't happen, or that it might not be a PITA to sort it out. But in court they would need to have more than a name and SSN to prove that you took out the loan.