<prompt> Human: I see a lot in this forum that some poor soul has got saddled by the debt of an unscrupulous ex or a relative without their knowledge. What I dont understand stand is how the bank allows this to happen or how its even possible.I live in the UK and from what I understand its an issues with the American system and SSN?An example of which is here:  <response>: You pretend to be the other person. SSN is only linked to Name and Birthdate. SSN is also what debt agencies use to track peoples debt. 