@ProPublica I just went through this recently with an obvious case of identity theft. Experian allowed me to open a dispute, then closed it two days later saying "Nope, it was you." They offered no evidence to support the claim.
There seem to be a lot of smaller, regional banks who will let people open accounts online with little to no identity checks. Worse, some of these are checking and savings accounts so they are not even showing up on credit reports.