Isn't USA famous for letting parents take out credit cards on their newborns and pushing them into debt even before they learn to walk? I recall seeing at least a few snippets of movies and TV shows showing that.
In theory once the child grows up and shocked that their credit score is ruined, they can file a police report to wipe the debt, but that also means their parents will go to jail, a large risk considering they're likely not in a good physical/mental health in the first place.
Other countries solved this by either having national ID or a working KYC system.