[coredog64]

You misunderstand US law. Yes, someone can use my SSN (along with other private information) to create a debt. That doesn't make me liable. If it shows up on my credit report, I can disclaim responsibility using existing legal protections. As long as I truly didn't create the debt, it is the debt holder's problem.

[heavenlyblue]

But the problem has been created; which you've got to fix by paying at least in your time spent solving this.

What you're saying is probably true in any country; but in reality imo it's way easier not to allow that to happen in the first place.