Got an email from creditkarma a few days ago saying I had a new hard inquiry on my report. I checked today and saw a hard inquiry on my TransUnion report from SYNCB/Amazon. Turns out its an Amazon store card via Synchrony Bank.
This wasn't me opening a card so it has to be fraudulent. I called Amazon, filed a fraud claim, and they submitted a request to TransUnion to remove the hard inquiry. Whoever opened the account had access to my social (confirmed by Amazon that applicant needed access to my SSN for the hard inquiry to show on my report), and had access to my address as well as name.
What can/should I do to protect myself going forward? What damages can whoever has my information do? Thanks. Any help is appreciated.
You need to figure out if someone fat fingered the social, or if they attempted identity theft.
Be vewy vewy quiet
posted: Nov. 18, 2016 @ 7:20a
stanolshefski said: You need to figure out if someone fat fingered the social, or if they attempted identity theft. And how does someone figure out what happened?
posted: Nov. 18, 2016 @ 8:12a
stanolshefski said: You need to figure out if someone fat fingered the social, or if they attempted identity theft.
Almost certain its identity theft as whoever tried to open the car provided my adddress as well. I received a snail mail from Amazon saying they needed to confirm additonal details before account could be opened (Amazon put a hold on the app thankfully as they thought something was odd). I asked the rep if the applicant would have needed to put my address in for me to receive that and she said yes.
Agreed. Freezes are a pain sometimes when you have a legit need for credit, as you have to unfreeze them first. But I still think they are the best method to prevent credit apps.
Senior Member - 1K
posted: Nov. 18, 2016 @ 11:38p
2FA your Amazon account with mobile phone text verification.
Freeze all 'dem bureaus.
Pray fraudster forgets to change your address and ships you a new iphone 7 plus. (no but seriously, check if your Amazon account had default payment credit cards added/deleted).
Senior Member - 10K
posted: Nov. 19, 2016 @ 8:21p
kpc38 said: Whoever opened the account had access to my social (confirmed by Amazon that applicant needed access to my SSN for the hard inquiry to show on my report), and had access to my address as well as name.
You do not need an SSN to show an Hard Inquiry. But the fraudster might have gotten it from the IRS hack.
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
Members of our community may attach files to a post in accordance with the User Agreement. FatWallet is not responsible for the content, accuracy, completeness or validity of any information contained in any attached file. Files have *not* been scanned for viruses. Be especially wary of Excel files which may contain malicious content.
Earn Cash Back while you shop - just 3 simple steps.
1. Sign Up so we know who to pay! (It's FREE.)
2. Shop through FatWallet for deals from your favorite stores. Your online purchases earn Cash Back that builds in your FatWallet account.
3. Get Paid by requesting a payment via check or PayPal.
FatWallet coupons help you save more when shopping online. Use our Coupons Search to browse coupons and offers from thousands of stores, gathered into one convenient location.
As part of our FatWallet Community, you can share deals with almost a million shoppers in our forums. Forum content is generated by consumers for consumers. Share deals, money-saving tips, and more. It's FREE, fun, and addicting.
Our customer experience team is here around the clock - real people ready to assist.