I've had it happen to me
Found out late teens/early twenties though when I went to open a credit card at my retail job and got denied. Was confused as to how I got denied on my first card
This was before credit karma and what not so I used a freecreditreport trial and saw all these phone bills, delinquent credit cards and heating bills...I was hurt. Not fun confronting family over being done wrong like that, good intentions be damned.