I do not want to doubt your daughter and her truthfulness. Having said that, DS is only 6 months older and about 6-7 months ago he started making stuff up.

He'd tell me that he was cross with Thomas because Thomas ate the food he had made for Bella in the [play] kitchen at Nursery. Thomas hadn't been to Nursery all week and DS hadn't been near the kitchen that day. He told Nursery that DH and I took him to the steam railway (true) and that we bought him a new train in a box (false).

Now, I know with DS that if he says something and I react to it, he will tell me it happened before. If I ask leading questions, as you did, he'll agree and make up a bit more. It's a story. He's having fun. It may be the case for your DD: I hope it wasn't anything bad. It's great you're telling her that no-one can touch her without her permission, but children's imaginations do go a bit wild at this age.