Frank Thinks He Has Been a Victim of Identity Theft

Frank thinks he has been a victim of identity theft.Which of the following scenarios might have led him to that conclusion?

A) A new bank account has been opened in his name in a city where he does not live.
B) He found out he owns a new car,but he never actually bought one.
C) There are charges on his credit card for a ski trip in Colorado and he has never been to Colorado.
D) He received a letter from a bankruptcy court regarding his claim that he never filed.