They don’t know if you are employed or not.
It’s not based on employment - it’s based on credit score. Likely, that other person also stopped paying bills.
If they checked you out with social security. If you are paying your payments on time there will be no reason to check on you, but rest assured, if you miss one payment they will be all over you.
they do not know that. they run your credit so they can see if your score is decreasing.
For other reasons.