Yeah I here ya. The only way to avoid what happened to you would be to check your credit history. Still not sure how someone could associate a card with you if they didn't have more than your name. DOB, SIN, etc. Would be really easy to prove it wasn't you.
Almost every purchase is easily investigated too. Make a purchase at a store, boom you're on camera. Make it online, boom there is a digital history. I don't understand why you have the issues you have. I would contact a lawyer if I were you.
Jah, the guy used the name Bob and his first name, and my actual last name. My name is not Bob. He got the card by using a pre-approved mailout from my mailbox, so the last name was mine, but he made up the first, and the number on the application had been assigned to my last name already. This all happened about 15 years ago, before you could just check your credit statements any time you wanted.
It was not easy to prove it wasn't me, back then there were no cameras anywhere. The internet was barely invented. Nowadays, they only call me if I make a purchase out of the ordinary, but up until about 5 years ago, it was on almost every purchase, and at the beginning, it was every single time. Sometimes to the store.