{"success":true,"data":{"id":"credit-breach-ssn-freeze-phish","label":"Fake credit bureau or identity protection service claiming credit has been compromised and requiring SSN verification immediately to freeze the credit report — PII-harvest fraud; real credit freezes are placed directly through Equifax/Experian/TransUnion via authenticated portals or phone, never via unsolicited email SSN submission.","description":"Fake credit bureau (Equifax, Experian, TransUnion) or identity protection service claiming the recipient's credit has been compromised and requiring immediate SSN verification via email link to freeze their credit report — PII-harvest fraud targeting credit freeze anxiety. Real credit freezes are placed directly through the three major bureaus' authenticated portals (equifax.com, experian.com, transunion.com) or by phone; they are free under FCRA and never require SSN submission via unsolicited inbound email link. Distinct from data-breach-credential-exposure-phish (generic breach enrollment) and ascension-commonspirit-2026-breach-notice-lure (healthcare breach) — this specifically targets the credit-freeze / SSN-harvest via bureau-impersonation pretext. Detection: credit compromised/breached/stolen + verify SSN immediately to freeze credit report vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R25; FTC credit freeze scam advisory; FCRA free credit freeze rights (15 U.S.C. §1681c-1); CFPB credit reporting fraud alert 2025.","tier":"danger","category":"phishing","isThin":false}}