When I applied for my 1st home loan, a guy with my first and last name (which is quite rare, 99 total families in the US at the time of my fathers geneology check) showed up on my TRW owing $5000 in back taxes to the State of California. At the time, I had not earned enough over the course of my life to equal $5000 in State taxes. I assumed this would be easily resolved.......not so. I had to prove I wasn't him. I had to get witness statements and rental records for the time in question to prove I didn't even live in the same city as this guy.