I just got a bill for a Wayfair credit card that was issued by Citi bank that I did not apply for. I never even shopped on that website.
I tried contacting both Citi bank and Wayfair, but since I don’t have the full account number, I couldn’t get past Citi’s automated phone menu.
Wayfair’s phone system was a fucking nightmare getting transferred to various departments, but eventually transferred me to a foreign call center where they insisted that they needed my social security number and birth date to file a report, but I’m not giving them that.
The best thing is that the scammer managed to get a higher credit limit than I was able to get on my own card.
Look into the benefits offered by your other credit cards. My identity was stolen a few years ago and I learned like a few months ago that one of my credit cards offers free identity protection services if/when your identity gets stolen.
They handle all of the annoying shit like contacting the bank, getting the debt off of your credit card, etc.
If not, and you were part of the Equifax (or any) hack, you likely have this same service available to you for free.