<prompt> Human: I turned 18 less than 2 weeks ago, and I was in the process of applying online to open a checking account. The bank asked about numerous loans from 2015 and some even from this year. Obviously this couldnt have been me as I just turned 18. I went to check my credit report but was unable to as they couldnt verify my identity. I even tried ssa.gov and was locked out as my info didnt match. Could my ssn have been stolen years ago? What steps should I take to fix this?  <response>: Was this the automatic verification process you sometimes get when opening a new account online? Banks run this process and ask you incorrect questions on purpose, to see if you answer correctly. Only you or someone with your credit report know the real answers, that there are no loans and thus you should answer none of the above. Naturally check your credit report to be sure, but I bet thats what it is 