Another person who has the same name as me and lives in the same large metropolis as I do took out a loan. Although the creditor did not have my social security number or date of birth, the debt was reported on my credit report, not the debtor 's. I contacted the creditor, and they confirmed that they do not have any of my information ( address, phone number, SSN, or birthdate ) on file, but rather have different personal information about this person who has the same name as me. I 've disputed the issue with the credit reporting company and am awaiting a final response. However, it is inappropriate to put information on my credit report to begin with without any reason to think that the account belongs to me except for a common first and last name. The credit reporting agency has a duty to take very basic steps to ensure the accuracy of its reports, and it failed. Although I expect my dispute to be resolved in my favor, why should I have to go through this effort and wait 3 months for a resolution?