JadedSin asked:
The issue is that I found out that my mother has been using my S.S. number to open tons of accounts and she doesn’t pay her bills. I would like advise on the easiest way to figure out if an account is actually mine or not. Some of the accounts go back 2-3 years and I can’t find any paperwork from those companies in my files and I’ve never heard of their names. When you request validation from a credit card company, what do they send you as proof? How do they prove it’s actually your account? I’m just afraid that it will be very hard to prove that they are her accounts and not mine since we have the same last name and we lived at the same address. She also knows most of my personal information.
The issue is that I found out that my mother has been using my S.S. number to open tons of accounts and she doesn’t pay her bills. I would like advise on the easiest way to figure out if an account is actually mine or not. Some of the accounts go back 2-3 years and I can’t find any paperwork from those companies in my files and I’ve never heard of their names. When you request validation from a credit card company, what do they send you as proof? How do they prove it’s actually your account? I’m just afraid that it will be very hard to prove that they are her accounts and not mine since we have the same last name and we lived at the same address. She also knows most of my personal information.
Is it better to try and have this stuff removed from your file before you contact the DA’s office and file charges?
What are some of the first steps that I need to take (other then run my credit reports)?
Thanks!
LUIS
#1 by WallBaker on December 29, 2009 - 11:31 pm
DUANE
Ouch. Sorry to hear about that one.
You do not have to prove anything to the credit rating services. Call them and follow it up in writing to report that your identity has been compromised. They have procedures for you to follow.
I suspect you will be asked to identify the legitimate accounts. I would simply assume that any you do not recognize have been created by your mother and report them that way. Let the company prove that you opened them.
Report to the credit agencies immediately. That should be separate from any legal issues. They may require that you file a complaint and the companies she defrauded will definitely do so.