One has to wonder how bad it is out there with all the scams. The breaches at corporations, the Home Depot comes to mind and the rest. My wife and I pulled Exsperion this year and found a loan from some obscure corporation in Utah that I never heard of from three years ago, and the loan was connected to some halfway house in Texas. I don't think it went through, but they won't close it or remove it. They won't admit to anything! So now we are filing a police report and the officer said... "yup I have been through this three times"... oh do tell... what an interesting conversation.
Be wise enough to walk away from the nonsense around you!