I received notice through my TrueCredit monitoring service that someone attempted to apply for check cashing privileges at a Stop and Shop 4 states away from where I live. I checked with Stop and Shop and they claim that there is no record of any account in their system with my driver's license or SS#, so either the attempt was a typo and it was rejected since the person's address/ID didn't match my SS#, or it was a fraud attempt and it failed for the same reasons. I noticed however that it was reported to Equifax and it caused my real FICO score to jump a few points, which is odd. That said I want the hit removed from my report regardless, as it was not me who made the request for check cashing privileges. What is the best way to deal with this? A dispute with Equifax? Stop and Shop doesn't keep records of applications that fail. Should I also file a police report with my local department to have them get in touch with the town in the other state's department?
