[totalcrepe]

If a bank in America gives a loan in your name that essentially is your problem until a sequence of things happen that require a fair amount of education to research and do yourself or the advice of a low end but real lawyer (which is dangerous to seek out among the ones that screw over the poor).

If you live in the US you should consider filing every block available to you so for the banks you don't use, you can start the discussions with asking why they were illegally pulling your credit record or giving credit without it.

In Europe, it looks like banks are petitioning to be allowed to verify identity over camera phones using an independent third party. That is still better than the US, since you can probably force them to retrieve that record of "you and your id" fairly early in a dispute.