We Think Lisa's Identity Just Got Stolen and Someone Bought a Car

[shilala]

Today we got a payment book from PNC bank for 72 payments of around $350 for something.
Lisa called PNC bank to inquire. Being as she couldn't verify the account within their stringent guidelines, they wouldn't even tell her what was bought using her name and identity, or where it happened.
But they would give a loan to someone that wasn't her. I guess the loan giving guidelines aren't so stringent? The best they can do is "file a fraud something and get back to us in 7 to 10 days".
Lisa is now doing the fraud alert steps to protect her credit.

In the last couple weeks we had been refinancing the house and she got some odd declined credit applications as if she'd applied for loans, but she thought that was maybe just a result of things the bank was bouncing around related to our refinance, she never gave it much thought.

I assume this will become a great big convoluted mess, but neither of us are really upset at all. I do admit to being somewhat pissed at the phone knucklehead at PNC, though. I would certainly hope they'd be far more helpful and supportive with something this important.
We have a little identity theft insurance, so that's good. We caught this quick and we're doing the due diligence, including filing a police report. It'll all work out, I'm sure. God has bailed us out of far, far more dire things than this. This is just a bump in the road.

The reason I'm posting is to get any input I can from any of you guys that may have dealt with this. What happened, how, what did you have to do, etc.
Any stories you can tell would be priceless and any suggestions for us as we proceed would be awesome.