Someone stole my card number to check their own credit?!

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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stayinsafe
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Someone stole my card number to check their own credit?!

Postby stayinsafe » Mon Mar 05, 2012 5:01 pm

Somebody got my credit-card number and used it to open five accounts at FreeCreditScore.com, which is owned by Experian, under names I don't recognize. Only one account was successfully used to incur a charge. That charge is how I found out my credit-card number had been stolen.

I have canceled the card and received a new one, and I've set up a 90-day security alert on my credit report.

The customer-service person at FreeCreditScore.com told me the perp was trying to check his/her own score and report. She said my score and report would have been revealed only if my name had been used, and she confirmed that there were no accounts under my name.

Does that seem right? Has anyone had this happen?

A credit counselor said I should be concerned that someone has seen my credit report and now has a lot of sensitive information about me, including my Social Security number and my mother's maiden name. But I don't see that info when I look at my own credit report.

All insights welcome. Thank you.


Celestine
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Postby Celestine » Tue Mar 06, 2012 4:56 pm

You mean credit card number or social security number? Your post is confusing me.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

stayinsafe
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Yes, it's weird.

Postby stayinsafe » Tue Mar 06, 2012 9:47 pm

Celestine wrote:You mean credit card number or social security number? Your post is confusing me.


Someone stole my credit-card number and used it to check their credit score and get a copy of their credit report.

I'm concerned that they while they were on the freecreditscore.com site, they might have seen my credit report. I've been told that if they did see my credit report, then they might have my Social Security number. However, as I said above, I don't see my Social Security number when I look at my own credit report, which makes me think it's unlikely that even if someone got an unauthorized look at my credit report, they'd have seen my Social Security number.

Money card
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Postby Money card » Tue Mar 06, 2012 10:17 pm

If your credit card is in your wallet and nobody has your social security or mom's maiden name? How could this have happened?

Even if you were purchasing something at a store, shouldn't your credit report be going to your house? How did the people get your name? Why would this be sent to there house?

I bet you ordered something over the computer and they got your personal information.

stayinsafe
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Further clarification

Postby stayinsafe » Wed Mar 07, 2012 1:02 pm

Hello, Money Card ~

Yes, my card was in my possession at all times. That, of course, doesn't mean someone couldn't have stolen my card number. Obviously, someone did. And, yes, I believe my number was stolen through an on-line transaction prior to its use on FreeCreditScore.com.

I do not know what other information, aside from the card number, the crook has. I don't know if he/she has my name, address, mother's maiden name or Social Security number. It seems likely that he/she does have my name, address and mother's maiden name, however, because that information would have been available on the Web site I believe was used to steal my card number.

At this point, I do not have any firm evidence that any crook has my Social Security number. But I am certainly keeping an eye out for worrisome activity.

The customer-service person at FreeCreditScore.com told me that the person who pays for a membership on the site is not necessarily the same as the person for whom a credit score and credit report is provided. In other words, the credit card used to pay for a membership does not have to match the information used to verify a person's identity before giving them a copy of their credit report.

I have just gone to FreeCreditScore.com and set up my own membership, and I can see how this could be true. Of course, I have not tested the system in the way the crook who used my card number did. In other words, I used my own credit-card information and my own personal information to verify my identity for my credit score and my credit report. I did not attempt to see anyone else's credit score or credit report.

As I mentioned in my original posting, five memberships using different names were set up at FreeCreditScore.com using my credit-card number. So, presumably, the crook checked or attempted to check credit scores and and credit reports under each of those names. But he/she did not attempt to check my credit score or credit report, according to the customer-service rep. The only reason I even became aware that this was happening is because apparently he/she neglected to cancel one of the fake memberships within the free seven-day trial period, and that caused a transaction to appear on my credit-card account.

On FreeCreditScore.com and other similar Web sites, credit scores and credit reports are viewed on line, not sent via the postal service.

My original question stands. Has anyone else had this experience?

fallingapart
 
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Postby fallingapart » Sat Mar 10, 2012 3:51 pm

Yes, this just happened to me. I'm fairly sure that a restaurant worker copied the number off my Discover and either sold it or used it to get the credit report of yet another victim.

I only use Discover's secure numbers when purchasing online, and Experian (the company the thief used to to obtain a credit report) confirmed it was the number off my card. I think (and this is just my theory), that thieves use stolen CC numbers to obtain credit reports because it makes the paper trail that much more difficult to follow.

stayinsafe
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Postby stayinsafe » Sat Mar 10, 2012 9:08 pm

Thanks for your comment, fallingapart. I'm sorry this happened to you but have to admit to some relief in not being the only one.

Would you mind elaborating? Which paper trail is the crook covering? And how? 'Fraid this is not immediately obvious to me.

Let's see, the crook uses a stolen card number to access a third party's credit report. That makes it hard to know who's actually going after the credit report. Then he/she uses all these credit reports to find good targets for identity theft? Is that what you're thinking?

Thanks again.

Celestine
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Postby Celestine » Sat Mar 10, 2012 11:18 pm

stayinsafe wrote:Someone stole my credit-card number and used it to check their credit score and get a copy of their credit report.

I'm concerned that they while they were on the freecreditscore.com site, they might have seen my credit report. I've been told that if they did see my credit report, then they might have my Social Security number. However, as I said above, I don't see my Social Security number when I look at my own credit report, which makes me think it's unlikely that even if someone got an unauthorized look at my credit report, they'd have seen my Social Security number.


If the thief only did was use your credit card to get a credit report, then they can't see or get a hold of your social security number.

Credit card issuers' customer service representatives won't give out or never give out your social security number even if you or the thief called in.

The only way anyone can access your credit report is when they know what your SSN is. Obtaining a credit report requires a SSN. So if the thief was able to access your credit report, then the thief already has your SSN to begin with.

I think it is really impossible to obtain the credit card holder's SSN with just the credit card number. SSN can only be obtained if some ignorant customer service representative gave the credit card holder's SSN to the caller. CSRs are not permitted to give the credit card holder's SSN to anyone even to the account holder for security reasons. If the caller, regardless of the account holder or not, asks for the SSN of the account for whatever reason it is (like "just to double check if I gave you my correct SSN"), the CSR are not permitted to give the SSN out. The only thing the CSR is permitted to do is to let the caller say the on-file SSN, otherwise it won't be given by the CSR.

I did have a past experience when one of my previous credit card number was stolen. The lender automatically put a freeze on the account and lender called me about the situation. Lender issued me a different credit card number to replace the previous one.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

jtturner
 
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Postby jtturner » Mon Apr 30, 2012 10:16 am

This just happened to me this weekend!! I live in NC and was checking my acct & noticed 2 charges fro mExperian. I called the company. The credit report & credit score was for a woman they gave me her first name and last initial but no other info, except she didn't live in NC according to address given online to Experian.

Then I was advised police could obtain the info. Being a victim of CC fraud before. I cancelled the Visa. Called the police. They couldn't get the info out of Experian. The checking account (this was a visa debit card) has only been open for 2 months so I'm confident I can figure this out. There's been min online purchases & mainly local household things.

So I'm thinking something like you described above like a restaurant worker. But there are 2 victims ~ now this morning Experian had already reversed the charges but this woman who's credit report was viewed & she is clueless & what would've happened if I hadn't wondered about the Experian charges as they are not much $ & can be overlooked..... This is an identity scam for sure!!

JCarter
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Postby JCarter » Mon Apr 30, 2012 11:30 pm

jtturner wrote:This just happened to me this weekend!! I live in NC and was checking my acct & noticed 2 charges fro mExperian. I called the company. The credit report & credit score was for a woman they gave me her first name and last initial but no other info, except she didn't live in NC according to address given online to Experian.

Then I was advised police could obtain the info. Being a victim of CC fraud before. I cancelled the Visa. Called the police. They couldn't get the info out of Experian. The checking account (this was a visa debit card) has only been open for 2 months so I'm confident I can figure this out. There's been min online purchases & mainly local household things.

So I'm thinking something like you described above like a restaurant worker. But there are 2 victims ~ now this morning Experian had already reversed the charges but this woman who's credit report was viewed & she is clueless & what would've happened if I hadn't wondered about the Experian charges as they are not much $ & can be overlooked..... This is an identity scam for sure!!


Police can obtain the info via a subpeona. If your agency is unable to figure it out, have them contact me directly and I am happy to advise.



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