So I recently had someone login to my experian account and add a credit card to it that was expired. Which effectively blocked me from the account when experian tried to charge it for my monthly subscription. So i had to call and get my account switched to a free account so I could regain access. It was bizarre because this was either a weird glitch/mistake on experians part or the person just didn’t try to change any of my login info. I honestly didn’t have experian monitoring much of anything so there wasn’t really any info on the account I had pretty much just used it to freeze my credit as safe practice. As a result I have acted as if someone has my information. Made sure all my credit was frozen and am monitoring reports. Got an irs pin and sent out a fraud alert. I have found nothing suspicious beyond my experian account experience. Im going to be monitoring closely going forward but here’s my question. I know my information is probably out there and based off how every company seems to be having data breaches it seems like you’re more likely to have your information out there then not. So is this just life now? Constantly worried someone is going to open an account in your name? Has anyone ever had their information compromised done all the things to protect themselves and still for the rest of their lives have had problems? Has anyone had their information stolen and then successfully shut all doors and not had issues going forward? It seems insane to me that we are just screwed and it’s expected to experience fraud at some point in our lives because of a broken system and company data breaches. Maybe I’m just ranting but I would love to hear some positive outcomes to people recovering from identity theft where they now don’t feel like they constantly need to be looking over their shoulder the rest of their life.
original posted by minicowsrcute to r/personalfinance on Sat, 02 Mar 2024 15:59:23 GMT.