My daughter sees dead people... LOL, no seriously, what would you think if your child told you this?

She has told me numerous times that she sees "ghosts" walking in the house. She is 4 & this only started in this house (about the past couple of months). I know that children her age have wild imaginations, but she is so darn adamant that she is seeing them. She always tells me the same thing, a man, a woman & a little girl. She tells me the little girl is dead because her head was cut off & she got back up & walked again. Pretty morbid, but she just tells me like it is nothing. When she claims to see the 3 ghost is when she gets panicked. she has also told me she sees black figures on the back porch. Her stories never change. I question her in different ways to see if she will slip up in any way, but she is so consistent. IDK... it is just weird. Also I have to add that she speaks EXTREMELY well & never has trouble getting anything across. She is very mature for her age... not the average 4 year old. You know, how some kids can just be a little diff than others their age.... Do you think she is just making it all up? LOL This sounds INSANE!!!