Unknown hard inquiries on credit report.

[16hypen3sp]

It appears the BMO MasterCard has been removed from my Transunion file... so I guess that was fairly fast. Address and all that still needs to be fixed.

Equifax is still a mess.

[16hypen3sp]

Consumer relations with Equifax just emailed me. It appears they have concluded the investigation into the fraudulent hard inquires on my Equifax file.

They have removed the CT Bank inquiry from June 26th as it was confirmed fraud.

They removed the BMO 2203 inquiry from June 26th because BMO didn't support the investigation/didn't respond. lol

Now I just need the BMO MasterCard to disappear from my Equifax file and that squares it up.

Also, RCMP contacted me yesterday. I guess they are now going to start looking into it. See what comes of that I guess.

[16hypen3sp]

Talked to RCMP again.

They have a suspect at that Parke Ave Red Deer address that's on my file. There are a couple investigations ongoing it turns out. City of Red Deer has one going for another victim and the Blackfalds RCMP have mine going.

Suspect has a history of doing this sort of thing, but trying to get anything positive is going to be difficult because he basically has to admit that he did it... not going to happen. Other than that, insufficient evidence. Nonetheless, they are going to bring him in.

[16hypen3sp]

Equifax removed the BMO MC from my file. That completely shores up my Equifax file.

[16hypen3sp]

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Talked to RCMP again.

They have a suspect at that Parke Ave Red Deer address that's on my file. There are a couple investigations ongoing it turns out. City of Red Deer has one going for another victim and the Blackfalds RCMP have mine going.

Suspect has a history of doing this sort of thing, but trying to get anything positive is going to be difficult because he basically has to admit that he did it... not going to happen. Other than that, insufficient evidence. Nonetheless, they are going to bring him in.

Got an update on this on the weekend.

Red Deer RCMP executed a search warrant at suspects apartment. Found numerous items in other peoples names, mostly credit cards. The names on the cards were those in the Red Deer investigation. Suspect was arrested and charged with multiple counts of fraud and what not.

Nothing on me tho. I must of caught the fraud early enough that she got rid of the stuff in my name. That's what the officer in charge of my case thinks anyway. There's been no suspicious activity on my account since. Both credit bureaus are accurate.

Edit: Expecting a slap on the wrist. She's done this before and she'll do it again. Court system is trash.

[nzwasp]

So somewhat related question: A friend of mine had her credit card number stolen somehow and they purchased 3000$ worth of stuff off it. She had only used amazon and other trustworthy services, TD said its just a part of life and you dont even need to use your card online for them to steal the number, this statement seems incorrect or else i would think credit card fraud would be way more common.

[killramos]

More likely than online would be your cc getting grabbed in person.

Camera setup near counter, cashier grabs your car and strategically flashes both sides in front of camera. Boom you are pwned and ready for online purchases. Esp somewhere where they also ask for your postal code or phone number for CRM purposes, but those are also relatively easily purchased from dark web leaks ( search your name and get your billing address ).

Is what it is.

[ThePenIsMightier]

Yes^
Mine has been compromised at least 4x that I can recall and I do virtually zero online shopping with my bigger limit cards. I have a card with a very low limit that I use for what I consider to be "sketchy" purchases and sketchy is the wrong term. I consider pay parking meters, vending machines and online purchases to be "sketchy" LoL!! And I don't even mean PornstarNetwork.biz, I mean Hudson's Bay!

Their algorithm catches it almost instantly, almost every time. I think I fluked out and caught the last one which was about 2 years ago and super fucking obvious, which pissed me off that I happened to log into online banking and noticed it. It was for purchases of a hotel room and currency IN POLAND while I had literally bought something in Calgary the same day.
There's not much you can do to be more secure aside from being totally reckless. It just happens.

[16hypen3sp]

Figured I'd just put this here.

I got a letter from Sobeys. I was a past employee many years ago in early high school. They were hacked in Fall of '22 and giving out subscriptions to mytruidentity for one year (lol, c'mon). I used mytruidentity for 5(?) years after the whole Home Depot fiasco of 2014.

Anyway, must have been a lot of letters if they went back that far for employees.

Article:

https://atlantic.ctvnews.ca/sobeys-a...mers-1.6280542

[tonytiger55]

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Figured I'd just put this here.

I got a letter from Sobeys. I was a past employee many years ago in early high school. They were hacked in Fall of '22 and giving out subscriptions to mytruidentity for one year (lol, c'mon). I used mytruidentity for 5(?) years after the whole Home Depot fiasco of 2014.

Anyway, must have been a lot of letters if they went back that far for employees.

Article:

https://atlantic.ctvnews.ca/sobeys-a...mers-1.6280542

Same, I got a letter and a subcription to check my credit score for a year.