I generaly don't worry about this stuff; I accept the surveillence stuff as, well, the price we pay for not getting the sh*t bombed out of us. But, DH is vigilant about checking all of our stuff, which is good. He's the one whose Amex card has been breached at least 5 times, mostly because he uses it so much! We use a password security system that generates random passwords for everything we do and I don't have to remember them. Well, almost everything. Some things I like to control!
But... many years ago, before the advent of anything to do with a computer (1978?) I applied for a very small loan from my credit union, so I could finish my masters degree. I was denied because they said I owed Sears 300.00 (a lot of money then). It turns out, the credit reporting agency had my parents' Sears account listed under my name. My dad and I have the same first 3 numbers in our SSNs and our names begin with the same first 3 letters. My dad went to the credit bureau and threatened a lawsuit. They removed the balance from my report, and magically, Desert Schools Federal Credit Union gave me the measly 300.00.