So my neighbour across the street handed me a letter addressed to me but mailed to her address. From Scotiabank, with whom I have never dealt with. It's a letter thanking me for taking out a loan for a 2012 car! I phoned Scotiabank's tele number immediately, but the CSR refuses to confirm if there's truly a loan in my name. He also refuses to tell me if my name comes up in their database as a customer period. Tomorrow I'll have to phone Equifax and Trans Union to see about getting my credit report. Equifax website only offers a report for $15.50. I use to pull a report once every couple of years (not for a long time) and never had to pay before. I thought they had to provide credit reports free when a person asked for theirs. I cannot seem to find any other information on their website though... I'll also be visiting my local Scotia Bank to ask about this letter. But what are MY rights? I don't want to just hand over my correct address and SIN number and have some idiot "update" their files with it by mistake. (Which did happen to my husband, years back before we were married. What a mess THAT was). By the way, the letter also quoted the VIN # of the car. Do you suppose I can go to the Ministry of Transportation and pull up some kind of vehicle history record? I want to see if that car has my name & address listed on it. Please, any information you can give me I would so appreciate right now. After dinner I'll start researching identity fraud on the 'net.