[mycall]

Here's a typical story.

Online loan firm gives money to someone. Months later, they default, so they call who they think is the holder of the debt. That person has no clue what they are talking about. Finds out through first ever credit report they are defrauded. Victim calls loan firm, who requests lots of proof of existence as well as a police report, before they will help them. Process takes weeks. Victim finds out they signed up at Equifax during hack. Now they are in worse shape.