I pulled my credit report for the first time this week to see someone opened a JC Penny’s CC in my name 05/03/2016, only to close it 05/09/2016. From what I can tell, it looks like whoever it was made on time payments for several months - I’m assuming maybe they made one big purchase and then paid it off?
I’m pretty certain it was a family member. It wouldn’t make sense for someone to steal my identity and then proceed to make on-time payments and only open one account to never try again. I can’t think of anyone else that would just have all of my information.
I called JCP CC services and filed a fraud complaint. They confirmed the account was opened in a store, meaning whoever it was would have had to have an ID. They also registered the account to my address at the time and phone number. No email was listed.
I opened an investigation with TransUnion. Is there anything else I should be doing? Does it make more sense that it would be a loved one who opened the account than a complete stranger? Feeling really uneasy about all of this.
Submitted May 12, 2020 at 08:15PM by thetreesandthebees https://ift.tt/361yqKw
