A credit card you don’t know about has been opened in your name. Your insurer sent an Explanation of Benefits for treatment you never received. Someone recently broke into your house and stole personal documentation. Your car was recently stolen, and your wallet, registration and/or bills containing personal information were in it. You never received your W-2. You tried to file a tax return but someone already filed in your name. A retailer said your personal information was involved in a breach.