What is going on? Unauthorized.

[LS2982]

---

@lesaheart wrote:

I think someone got a hold of paperwork as I first started the home loan process. I called walmart credit card services and it didn't feel right. The more information I gave them, it felt like I was helping the fraud more. Even the fraud department of walmart felt like fraud. I cannot believe all of this is happening at this time of all time.

---

It is depressing, just stay strong you will get through it!!

[lesaheart]

---

@LS2982 wrote:

---

@lesaheart wrote:

I think someone got a hold of paperwork as I first started the home loan process. I called walmart credit card services and it didn't feel right. The more information I gave them, it felt like I was helping the fraud more. Even the fraud department of walmart felt like fraud. I cannot believe all of this is happening at this time of all time.

---

It is depressing, just stay strong you will get through it!!

---

Thank you so much. I needed those words.

[Jazzzy]

Are these new accounts? Or are they inquiries?

Either way, I would be very worried about ID theft.

[CreditMuppet]

+1 on the CRA freeze! 1 inquiry is suspicious or could be a mistake, a second? Looking more like someone on an app spree!  If so there will likely be more.  Many mortgage lenders will do a pull just prior to closing so any damage control you can do now will help you down the road.  Good Luck.

[lesaheart]

They are new accounts dated 11/1/11 but just showed up today.

[lesaheart]

Wouldn't the freeze prevent the mortgage lender from accessing my information and therefore put the loan to an immediate halt?

[namvet]

Call your loan officer and explain the situation.  You should be ok for closing as long as no new accounts actually open up.  Then again your lender may not be pulling any more reports before closing anyway.   I know the timing sucks but it's time to be pro-active.

[Jazzzy]

I would call both companies again and ask for the fraud departments. These accounts need to be closed and removed from your credit reports. They will already hurt your scores by showing up as new accounts...and this is before any damage that will be done once the identity thief starts running up charges on the accounts. You cannot just wait to see what more will happen.

[lesaheart]

---

@LynetteM wrote:
I would call both companies again and ask for the fraud departments. These accounts need to be closed and removed from your credit reports. They will already hurt your scores by showing up as new accounts...and this is before any damage that will be done once the identity thief starts running up charges on the accounts. You cannot just wait to see what more will happen.

---

Thank you everyone. I called Walmart and JCPenney's. They both said I have no account with them at all. Nothing is showing up. They also said there is nothing for the thief to use to go on a spending spree because the companies have nothing under my name, etc. They told me I need to contact the credit bureau to have them contact Walmart and JCP and they will tell the CRA I have no account with them so that it can be removed. 

[lesaheart]

They asked me how do I know that I have accounts under Walmart and JCP and I told them because I monitor my FICO scores and credit reports. Who has the ability to add fictitious accounts to CRA?