A lot like the commercial where the security guard says "there's a robbery" and thats it. They tell you (sometimes months later) that there was a robbery. I guess putting a fraud lock on all three is the only way to force them to have to call you and ask if you really did want that Rolls....

"he is by fraud forcing you to pay for them and destroying your reputation."
I agreed with all the text until the line above. He is not forcing anything. He defrauded someone else.

"The best solution to this is better security for your finances and personal information"
Maybe I don't understand what they're doing. I imagine (casting me in the role of the crooks) that CG goes to Chase and says my name is ewv and I want to borrow money. To show I'm good for it I give them your social security number and other facts that would be hard but not impossible to get. Chase believes the deception and gives me the money. I take the money and run. Chase goes to ewv and says, "You owe us money. Here's the signed promise to pay." ewv says, "That's not my signature. That was an impostor." Chase says, "How do we know this isn't a scam on your part to borrow the money and say it was an impostor." At that point you and Chase look whether they have enough evidence to convince a court you actually received the money. There probably isn't unless the fraudsters are really good. So an impostor defrauded Chase. Ewv was not involved in the crime.

Of course, if Chase has some evidence it wasn't you, like the signature being mailed from a place you've never been, they won't be eager to give it you. They want to win a judgment from someone who they can locate and can pay, i.e. ewv.