<prompt> Human: My mom and I have consecutive legitimate SSNs, ironically my SSN comes before hers. I 22M tried to check my credit since god knows how many years, and was asked about a series of loans and cards that I had never opened, as security questions. I am suspecting fraud, but some of these cards seemed familiar as belonging to my mother. Obviously since I could not correctly answer the security questions, I will have to call in to get my reports. My question is, should I immediately call relevant fraud reporting lines, or would my mother face repercussions for accidentally commiting ssn fraud? What is the typical course of action in such cases?  <response>: On the security questions, sometimes the answer legitimately is None of the above. Maybe there was no mistake?Assuming there is an issue, I think your first conversation should be with your mother. Either you find out she accidentally used your ssn, or there was fraud. Either way, afterwards, you should explain the situation to the credit reporting company. If it was a mistake, then its not fraud, but just an error to be fixed.Good luck! 