In addition to the full name, I am also worried because these loan groups have pulled my credit, and it's showing up on my credit report. (It is not affecting my credit, that I know of.)

So I went to freeze all three credit bureaus, and while I was doing that, I got the warning "please note that some places, such as insurance inquiries, may bypass the freeze."

So my question is, do I need to worry about anything at this point?? I haven't disputed the item on my report yet, because it's a pain to do it over the phone, but I will if this is important. I know that the dark web has my SS number because I am constantly getting emails from said credit bureaus telling me as much and that I should upgrade to a paid account to monitor this better.

I've gotten a lot of "hey contact us so we can take your money" scams over the years, but never one with my full name and a credit report pull, so I'm nervous. Let me know if I should do anything else, thank you!