There are people who cannot get a job in finance / banking due to a bankruptcy, or simply cannot get new loans because of bad payment history, so they use a child’s Social Security Number to get a clean credit report.
It’s called financial child abuse.
What is Financial Child Abuse?
http://tamarawilhite.hubpages.com/hub/What-is-Financial-Child-Abuse
Perhaps then credit reports shouldn’t be using your social security number.