> they've applied for a loan in your name that you still have to pay back If I defraud somebody on behalf of Wells Fargo you'd better believe they won't cough

> they've applied for a loan in your name that you still have to pay back If I defraud somebody on behalf of Wells Fargo you'd better believe they won't cough up any cash for the cause. You are not responsible for third parties interacting with each other without your knowledge or permission, and the fact that your name was dropped somewhere doesn't make that any less true.