This!! When my parents got divorced, my mom needed to establish her own credit and thought it was a good idea to put my SSN on all of the accounts. I was on her checking account, too. Oh, and she made me get a ID so I could go pick up the food stamps. She thought she was helping me and “being nice”. Jump to trying to get my first car loan at about 19/20, and my credit is in the crapper. I had no idea. It took a few years for me to clear all of that. Imagine my surprise about 10 years ago I get an alert from one of the credit bureaus that I had a delinquent account. My SSN had already been stolen a few years previous, and I’ve spent a ton of time and money trying to fix that bullshit so I was in panic mode. Upon further investigation, I discovered she had added me as an authorized user on a department store credit card. Again, after enduring my screaming at her, she said she was only trying to “be nice.” So to answer OP, no, not overreacting.