All they need is your name and enough information to distinguish your file from those of people with similar names, like an address or phone number or a credit card number that you supplied as a reference when you signed the contract.
Obviously, a SSN is unique and is the best identifier, but not the only one by any means.
Short answer, yes. But you can also fight the claim on your report. Call the credit agencies and speak with them about details, or sign up with a credit website and you will be able to view complaints against your credit and fight them through those sites(it is a paid service usually, none of those “free” sites are free…)
All they need is your name and enough information to distinguish your file from those of people with similar names, like an address or phone number or a credit card number that you supplied as a reference when you signed the contract.
Obviously, a SSN is unique and is the best identifier, but not the only one by any means.
Short answer, yes. But you can also fight the claim on your report. Call the credit agencies and speak with them about details, or sign up with a credit website and you will be able to view complaints against your credit and fight them through those sites(it is a paid service usually, none of those “free” sites are free…)