ubasses, I think you are doing exactly the right thing.
Unfortunately identity theft is on the increase and once people get your personal and banking details they can order credit cards or get loans on your behalf (that you know nothing about).
It can take ages to "prove" it was not you who ordered these credit cards and got these loans, and it can give you a bad credit rating that can take years to shake off.
A friend of mine, his father died, and the father's house was empty for a few months. Somebody broke in, stole enough papers to assume his father's identity and started ordering credit cards to be delivered to this empty house.
The family had no idea this had happened and the "burglers" just kept going round and picking up the latest credit cards.
It took ages to prove that his father WAS in fact dead and could not have orderded these cards, and it was very upsetting for the family.