Comment by kjs3

Funny. I have a brother. We have at times lived together, went to the same school, and after not living together, lived on the same street. A couple of times, one or more credit bureaus decided we were the same person and silently merged our credit files. Not a nightmare per se since we're both fiscally (mostly) responsible, but we generally find out how incompetent the bureaus are when we're trying to make some very large transaction (I was trying to buy a car, he was trying to buy a building for work) and suddenly get "why do you own 2 houses, a bunch of cars, and you're apparently a bigamist". And then we had to scramble to untangle the whole mess. Lawyers were involved. The bureaus do not care in the slightest.