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Posted

My wife started getting notices from LifeLock about someone applying for a Short Term payroll loan with her SS# about a year ago.  Contacting LifeLock was essentially worthless.  They can't tell you any specifics, but we did put some sort of a lock on her account from anybody using her SS# for short term loans.  She continues to get alerts about every 3 months with the same message of someone applying for a short term loan, but they don't seem to be successful in receiving one.

We've received credit reports several times over the past 12 months and none of them show any alarming open credit in her name.

We recently decided to order another level of credit report from DataX, and there is a different address, phone number, bank account, and email address showing up under my wife's name and SS#.  Google search gives no indication of the phone number being valid, and the address isn't real.  There is an employer listed, although it sounds made up and I can't find anything online.  The bank listed IS real, though.

Anyone have experience or advice on next steps we should follow, besides pics of wife?

Posted (edited)

I am sorry this happened to you. Here is something everyone should do (you, too, if you haven’t already):

https://www.wsj.com/personal-finance/taxes/tax-identity-theft-ip-pin-irs-ab021643?st=DPHj1X&reflink=mobilewebshare_permalink

Wiler, if you discover someone else has already opened a SS# account with your wife’s SS#, you have to address it (well, you don’t HAVE TO, but you really need to)

Edited by statsman
  • Hook 'Em 1
Posted
23 hours ago, Wiler77 said:

My wife started getting notices from LifeLock about someone applying for a Short Term payroll loan with her SS# about a year ago.  Contacting LifeLock was essentially worthless.  They can't tell you any specifics, but we did put some sort of a lock on her account from anybody using her SS# for short term loans.  She continues to get alerts about every 3 months with the same message of someone applying for a short term loan, but they don't seem to be successful in receiving one.

We've received credit reports several times over the past 12 months and none of them show any alarming open credit in her name.

We recently decided to order another level of credit report from DataX, and there is a different address, phone number, bank account, and email address showing up under my wife's name and SS#.  Google search gives no indication of the phone number being valid, and the address isn't real.  There is an employer listed, although it sounds made up and I can't find anything online.  The bank listed IS real, though.

Anyone have experience or advice on next steps we should follow, besides pics of wife?

Vandalay Industries?

Posted

I do. First you have to kind of online stalk someone, find out who they are, where they work, address, etc. Then you start stealing their mail occasionally, so you can see what kind of financial situation they are in. Are they getting credit card offers, loan consolidation offers, etc. I'll PM you next steps, don't want to completely give away the goods publicly. 

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  • Haha 1
Posted

If you haven't already, you should freeze you and your wife's three credit agency accounts. I don't know if it's foolproof, but my understanding is that it makes it very difficult for scammers to open accounts using your info. 

Posted
12 hours ago, Orale said:

If you haven't already, you should freeze you and your wife's three credit agency accounts. I don't know if it's foolproof, but my understanding is that it makes it very difficult for scammers to open accounts using your info. 

This is what I tell most of our borrowers. Keep that shit frozen until you need me/someone to run it then you can unlock it for a day or so. 

Posted
19 hours ago, Orale said:

If you haven't already, you should freeze you and your wife's three credit agency accounts. I don't know if it's foolproof, but my understanding is that it makes it very difficult for scammers to open accounts using your info. 

This is correct. Before I locked my files at the 3 credit bureaus, I had several issues of scammers trying to open accounts in my name. Once the reports were frozen, I haven’t had an issue since.

Posted
23 hours ago, Baboontyme said:

I do. First you have to kind of online stalk someone, find out who they are, where they work, address, etc. Then you start stealing their mail occasionally, so you can see what kind of financial situation they are in. Are they getting credit card offers, loan consolidation offers, etc. I'll PM you next steps, don't want to completely give away the goods publicly. 

Mark Cuban GIFs | Tenor

Posted

There could be a real chance that someone else is being associated with your wife's SSN. It doesn't mean they're going to these places saying "I'm Wiler77's wife and my social is 123-45-6789". When you do a records search on me there is a guy in Houston associated with my social. He's not impersonating me at all but somehow he's connected to my social. It could be something as simple as records mistyped and it got gobbled up by a data broker before it was corrected. Your best move at this point is to freeze your credit with the big 3 bureaus, get all 3 credit reports, and then get a LexisNexus report as well. All of this is free.

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