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Fraudulent Credit Report Request

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saronian
Established Member

Fraudulent Credit Report Request

Within the past few weeks I purchased two credit reports, mine and my wife's. These were done online using our MyFICO accounts and in preparation for leasing a new car. The day we purchased the car someone purchased another credit report on another of my credit cards from creditreport.com. Just weird timing?

 

BTW - I've canceled the credit card, to prevent any other fraudulent charges.


Starting Score: 589
Current Score: FICO Score 8 - EQ823 TU810 EX827
Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: Fraudulent Credit Report Request

Hi, saronian!

 

Got any teenagers in the house?  Smiley Happy

 

Just curious.

Message 2 of 8
saronian
Established Member

Re: Fraudulent Credit Report Request

No children, but I also think it sounds prankish. 


Starting Score: 589
Current Score: FICO Score 8 - EQ823 TU810 EX827
Message 3 of 8
Anonymous
Not applicable

Re: Fraudulent Credit Report Request

Very interesting.

 

I'm assuming that the credit report pulled wasn't your credit report, but someone else's. 

 

Perhaps the fraudster pulled his own credit report?  That would be hilarious, especially if the credit card company wanted to track that down.  Kinda like robbing a bank, and writing the stick-up note on the back of one of your own deposit slips (yes, that was actually done, at least once that I know of.)

 

Let us know if you come up with anything, saronian!  This is somewhat bizarre!

Message 4 of 8
Lel
Moderator Emeritus

Re: Fraudulent Credit Report Request

Were there any other fraudulent purchases on this credit card?  Another person's credit report is a funny thing to "steal", so to speak.  In order for someone to obtain your credit report, however, they'd need more than just your credit card number - they'd need to be able to verify some of your personal information.

 

I wonder if you're being set up for identity theft.  Maybe the perpetrator wanted a look at your credit report, to see if yours would be a good identity to steal and then open a bunch of credit cards.  Given the fact that this occurred on the day that you signed a new contract on a car, which involves a credit check and the divulging/revealing of sensitive personal information, I'd be concerned that the culprit is someone at the dealership.

 

I would recommend that you place a fraud alert on your credit reports at all 3 bureaus.  I've been told that if you contact one, they will notify the others.  This was definitely the case for me a few years ago.  But if you want to extra safe, you can contact all 3 bureaus directly.

 

 

ETA: just noticed UB-UP's message - yeah, I guess it makes more sense that someone would order his own credit report, as opposed to yours.  Duh - I guess I'm in a particular suspicious mood this morning, with all my speculation about identity theft.  Still, a fraud alert would be a good idea until you figure out what's going on.

 

If you want to find out if your credit report was pulled, you'd have to obtain your own report directly from the credit bureaus.  It would show up as a soft inquiry on your report.

Message 5 of 8
saronian
Established Member

Re: Fraudulent Credit Report Request

Well it's interesting to see that Lei and Uborrow-Upay both ran through all the possibilities I was considering. Glad to know I'm not the only suspicious one.

 

There were two other fraudulent charges, and both were equally odd. A membership to AARP, and a Tassimo machine and subscription. What's worth a laugh is they were for me and sent to my house.

 

From what transpired at the dealership I'm guessing this is a form of Identity Pranking. I'll keep an eye on my credit and report what I find out.


Starting Score: 589
Current Score: FICO Score 8 - EQ823 TU810 EX827
Message 6 of 8
Lel
Moderator Emeritus

Re: Fraudulent Credit Report Request

 


@saronian wrote:

Well it's interesting to see that Lei and Uborrow-Upay both ran through all the possibilities I was considering. Glad to know I'm not the only suspicious one.

 

There were two other fraudulent charges, and both were equally odd. A membership to AARP, and a Tassimo machine and subscription. What's worth a laugh is they were for me and sent to my house.

 

From what transpired at the dealership I'm guessing this is a form of Identity Pranking. I'll keep an eye on my credit and report what I find out.


 

Okay, this is really weird.  Certainly doesn't sound like someone is trying to make off with a bunch of goods using your credit card if they're being sent to you.

 

Are there any AUs on your card?

Message 7 of 8
Anonymous
Not applicable

Re: Fraudulent Credit Report Request

+1 on the fraud alert.  Better safe than sorry. 

 

There's lots of ways someone could get your info.  Going through your trash (or the dealership's dumpster) might be one way, especially if nobody uses a shredder. 

 

If you've got wireless internet at home, and it's not really secured, that's another.  I've got several neighbors who have their wireless routers wide open, and it's not hard to read the traffic.

 

Hotspots and hotel internet connections are a joke when it comes to security, too.  

 

Looking forward to an update on this when you get one, saronian!    But I'm also curious, what happened at the dealership that was out of the ordinary?  Anything in particular?

 

Edit:  Didn't see Lel's post, above.  Another good point made!

 

 

Message 8 of 8
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