So I tried to get a credit card to go off to college with so that money wouldn’t be so tight, but when they processed my SSN my dad’s name popped up and it was declined. The same thing happened when I tried to get a new Sprint phone, they claimed that I already had an account open. I dont know what to do! This is my dad using my SSN to get things, and I just know that he would shrug it off if confronted. He and I are not on the best of terms already. I really don’t want him to ruin my credit like he did his, I am gonna need to get an apartment soon for college and I dont know how to go about this..
P.S. I have no problem suing and/or sending this guy to jail. Yea hes my dad, but like I said we aren’t on good terms.
First, contact the fraud departments of each of the three major credit bureaus. Tell them that you’re an identity theft victim. Request that a "fraud alert" be placed in your file, along with a victim’s statement asking that creditors call you before opening any new accounts or changing your existing accounts.
Equifax
To report fraud: 1-800-525-6285
and write: P.O. Box 740241, Atlanta, GA 30374-0241
Experian
To report fraud: 1-888-EXPERIAN (397-3742)
and write: P.O. Box 9532, Allen, TX 75013
TransUnion
To report fraud: 1-800-680-7289
and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
Contact the creditors for any accounts that have been tampered with or opened fraudulently. Speak with someone in the security or fraud department of each creditor, and follow up with a letter.
File a report with your local police or the police in the community where the identity theft took place. Get a copy of the police report in case the bank, credit-card company or others need proof of the crime.
Keep records of everything involved in your efforts to clear up fraud, including copies of written correspondence and records of telephone calls.
Contact the police.
Uhhhm, that is identity theft. He might be your dad but he stole your identity.
it does sound as though someone has been using your name to get credit, goto a credit information company they will be able to advise on any credit or bad debts in your name.
Enroll in lifelock. go to lifelock.com and get started. It dont cost very much at all. I only paid about 9.00 a month. They will monitor your credit and catch who ever is doing this to you. They will help you . And of course report it to the cops to.Dont let anyone get away with this.
Call one of the three credit bureaus listed below to place a fruad alert on your credit. This will not affect your credit rating, but it will require extra verification when you apply for credit in order to prevent identity theft. You only need to call one because they all notify each other of fraud alerts:
Equifax
P.O. Box 740256
Atlanta, GA 30374
(800)-685-1111
Web site: http://www.equifax.com
Experian
PO Box 2002
Allen, TX 75013
(888) 397-3742
Web site: http://www.experian.com
TransUnion LLC
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
Web site: http://www.transunion.com
go to the police
Tell the police to fix it! it’s there job!
You have to go to the police and file an identity theft report immediately. If your father lives somewhere else outside the local police jurisdiction, they cannot investigate, but with the police report you can send information to state and federal law enforcement for investigation. Your father might be defrauding other people too.
With that report, you then contact the credit bureaus and provide them with the report – as the others who have posted here have described.
With the police report, you should be able to get free credit reports from all the credit bureaus, and the information from the credit report will enable you to go to the businesses that your father has defrauded and explain the problem to them. Those businesses then can get with the law enforcement in their area as well as file civil lawsuits and cancel the accounts your father has opened with your name. The explanation you give is that you did not apply for credit and you did not authorize your father to use your name and the account is not your responsibility.
You can also have the credit bureaus flag your credit history and this will help businesses so that when your father applies for credit at a business using your identification they will refuse to extend credit.
When you apply for an apartment, have the police report and the credit reports with you so you can show the landlord/manager and explain what you are doing to clear your credit history of this fraud.
I suggest you rent a post office box for all your personal correspondence, this address will be independent of your living address and will allow you to send and receive mail to law enforcement investigators and the credit bureaus that others cannot intercept. It also keeps the dog in the house from chewing on mail too.
When you are a college student you will probably move once a year, college students do that as they seek out good roommates or quieter places to live, so it would be handy to have a mailing address that does not change. Most businesses are aware of this and they keep records for "living address" as well as "billing address."
I have a problem with my mailbox in a post office – the employees there "mispitch" mail frequently. I often get mail for the box above mine, and have to take it to the counter to have them put it in the correct mailbox. If the post office window is closed I sometimes push the mail out of my box onto the floor in the area behind the boxes so the employees will have to pick the mail up and put it in the correct box. He he he. If I have gone out of town for several days that makes the mail late for that box – and I wonder how much of my mail is mispitched too.
I would contact the nearest IRS and FBI office, this sounds like a sad case of fraud, sorry