New CC account reported to Equifax which is not opened by me

[scripta]

My quick Identity Theft guide is here, though it’s outdated since you no longer need a police report to freeze your credit reports for free:

Free Identity Theft Insurance - Claim Experience

I personally do not believe in Identity Theft Insurance. Considering that you are not responsible for unauthorized charges and that most likely you will have to clean up the mess yourself without incurring any actual expenses, what exactly do you expect ID theft insurance to pay you for? Should we make this topic a bit more generic and include the steps one should take after discovering ID theft? I had written up and posted the following before, but it may need some refining: Watch your acco…

The /r/personalfinance reddit has a pretty good wiki here:
https://www.reddit.com/r/personalfinance/wiki/identity_theft/