As I understood it, it was a bit stranger than that. There was some minimal activity on the report that was actually me (a phone account, if I remember right), but my credit cards and whatnot didn't show up. But also some activity did that wasn't mine. I was somehow partially combined with another credit history, or something like that. I am not well versed in the technical details to truly understand what the problem was. I had to fill out some form to get it corrected and haven't thought about it since.