What do I do know? I'm on the east coast and they are in Montana so I'm guessing they won't be open for another two hours. I just called and they're closed. Clearly someone has my info and must have applied online. What do I now?
False alarm! I verified that there were no pulls with the three bureaus. I did end up getting ahold of someone helpful at the company who found that whoever it was had an email address one character off from mine with the same domain (Gmail) so they just sent me a denial that was meant for someone else. I verified with them that the person had the same name as me (my last name is common) but a different address, DOB, and last four of the SSN. Their email address is just first name last name and mine is first name "dot" last name. Someone added a dot for some reason and it ended up going to me.