A Case Of Mistaken Identity In June 1993, Adelaide Andrews visited a radiologists office and filled out a standard form for patients. She supplied basic information–name, Social Security number and date of birth. Andrea Andrews, the office receptionist, copied the information, moved to Las Vegas and had a little fun at Adelaides expense.

Andrea applied for a department store credit card, using her own name and address plus Adelaides Social Security number. Because the information Andrea submitted produced a match of the first initial, last name and Social Security number of Adelaides information, Trans Union released her credit report to the department store. Andrea was in business. Her department store account eventually became delinquent.

TRW, another credit bureau, got in the act by providing Adelaides credit report to four creditors that used the same matching criteria of first initial, last name and Social Security number that garnered Andrea the department store credit card. Only one creditor, a Las Vegas cable company, provided Andrea with a line of credit, which of course also became delinquent.

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