your verification of social security numbers, addresses, previous loans, credit, etc. would be sufficient to clarify this situation.

I did have a situation a few years ago with someone with my same first and last name listed on my report for a bank I never had a relationship with. I was able to get that removed. I think at the least you should be able to have some notation added to your report.

Best of luck.

And if they try and hide behind some kind of bs process send the CEO of that company a letter spelling out how absurd it is for them not to fix an ancient mistake. And be clear your next step will be a complaint with which ever federal agency regulates them.

But it worked for me with a cell phone provider who would not cooperate. I went on Twitter (this was a long time ago) and complained about the problem on their page. In minutes, I had a message from the "president's office," who took care of it immediately. No company likes bad Tweets. Now I avoid X like the plague, but some other public platform might get their attention.