I also posted this over in legaladvice, wanted to check with you all too in case you know something on the mortgage side.
Around a month ago, my spouse and I filled out an application to rent a home, and were told our credit would be pulled. We gave the realtor our information to run a credit check, which was then passed along to a woman associated with the realty who ran a credit check.
Today we received a bunch of paperwork in the mail from a lending company congratulating us on applying for a mortgage. We contacted the loan officer, who confirmed that a mortgage application was filled in our names but there was no property attached to the loan.
We then contacted the woman who ran the credit check, and she said that in order to pull our credit, she applied for a mortgage with this company. She said "don't worry, there's no property attached so it's not a REAL mortgage, and this is how all credit checks are run".
Sounded fishy to us, so we went and contacted the credit bureaus to freeze our credit. Transunion then told us that someone had logged into the Transunion website as us and checked our credit reports - this was done on the same day that the mortgage application was filled out.
So basically this woman applied for a mortgage to pull our credit, and then logged into Transunion pretending to be us and checked our credit.
Setting aside the obviously illegal Transunion identity theft piece, we have two questions:
1) Is this normal procedure/legal for someone to apply for a mortgage in order to check someone's credit? We obviously didn't authorize her to apply for a mortgage in our names.
2) If not, any advice on what we should do?
Submitted January 09, 2018 at 09:57PM by stolentransunion http://ift.tt/2mcUefL
