This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens.