[PeterisP]

The term suggests that you are the victim of the impersonation, when in fact the lender is the sole victim that should get hurt by that crime.

For you, the buck should stop (as is the case in much of EU) with saying "prove it was me - or you're not allowed to libel me by putting a bad mark on my credit and falsely claiming that I owe you money". At that point you're not the victim, it's not your problem, and the defrauded institution can choose to either take the losses and continue business as-is or perform their verification duty properly next time.