[zaatar]

What you described was not the 'thaw' scenario, but rather, what credit freeze is supposed to do, by design.

The 'thaw' scenario would kick in if you were to legitimately apply yourself for an auto loan at a Hyundai dealership in Florida, and have that loan not be rejected.

[mos1]

When I've applied for credit, I got the same phone call but said "yes, that's me", and everything went through.