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Did you buy a car and pay with a personal check?

No, the last car we bought was in 2006 and it wasn't a Ford.

As for the insurance, did you have an accident, or other claim involving another driver?

Possibly. There was an accident a few years ago but I don't remember the date or the at-fault driver's insurance company.

So, if somebody else used my SSN on a return, what will the IRS do, if anything? Charge him with tax fraud or some such thing?

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