<prompt> Human: I had a fraud alert on my AMEX so I called to resolve the situation. In the process of verification, they asked me security questions that I didnt know or that seemed very strange for me. For example, lets just say my last name is Banks.A question was when was Frank Banks born -Jul, Aug, Nov, Oct?Frank Banks, lived at my parents house when I was very young for a couple of years. After he moved out my parents we would get calls from creditors asking about him. I am NOT related to him whatsoever. We just happened to share the last name. Its a very common last name from where my parents are from.The second question I got was, Where did Alyssa Banks live?I have never heard of an Alyssa Banks. To both responses I said I dont know, nor do I know the person. My question is, should I be concerned about this? Are these people trying to use my credit since we share the last name or is this just standard tactics from creditors?  <response>: When theres fraud on an account they will often ask you questions based on information from credit reports, public records, background check type questions, really lots of things that are generally available but you never necessarily gave them. Often they are questions that have absolutely nothing to do with you, which is why you have the option in the answer of none of the above. Probably not anything to worry about. 