Straight from the credit reporting agency: https://www.experian.com/blogs/ask-experian/accounts-may-be-reported-even-without-social-security-number/ https://www

Straight from the credit reporting agency: https://www.experian.com/blogs/ask-experian/accounts-may-be-reported-even-without-social-security-number/ https://www.experian.com/blogs/ask-experian/accounts-may-be-... A rather famous example of this is when Columbia House sold off accounts from their scammy operation to a debt collection agency, with many folks unaware that the company claimed they owed money.