Hey, everyone, I'm hoping you all can help us figure out any plan of action and maybe calm some of her worry. We just got the letter yesterday and are trying to figure out what we should do, or if we even need to do anything at all.
She received a letter denying a card for ExxonMobil/Citibank. It was sent to our correct home address. She never applied for it. I researched what I could and I was fairly confident it wasn't some sort of scam, so we called the number in the letter and had a short discussion with them. I believe he recorded it in their fraud database and they (maybe?) took the inquiry off her credit. They then gave us a number to call during business hours that will do some other things including calling her anytime they receive an application to ensure it is actually from her.
We checked her credit report and there have been no new accounts/lines of credit opened. There was one other hard inquiry on the same day as this from Verizon Wireless that she also didn't make. Like I said, an account hasn't opened for this, but we have not seen any rejection letter for that one yet. The inquiries are dated on 8/10/17. We have been out of town for about a week and just got back, so I'm not sure when the letter actually arrived.
She and her brothers have a credit card which is paid off by her dad. This card was found to be stolen on 8/9/17. Chase's fraud detection found it and brought it to their attention. It was reported, cancelled, and replaced. Can you apply for credit by simply knowing credit card information or are they guaranteed to know more of her personal details?
Does this qualify as identity theft? Should we be concerned and go through the process of credit freezes and such listed in the sidebar? Thank you in advance for any help. We live in California if that makes any difference.
Submitted August 24, 2017 at 06:59PM by TotallyAHumanAdult http://ift.tt/2w2JQNs
