Relative used my info to open a now delinquent account. WTF!!

[Nik]

Bankruptcy over $1,000? lol

The attorney and filing fees alone would be $2500, assuming a chapter 7. Even more for a chapter 13.

Not a chance. Typical chapter 7 filing fees for a citizen (not a corp, etc) is only $400. Many bankruptcy attorneys will file for you for 600-800 total.

 

[PokerGuy]

I imagine that if you want to get your credit reports cleared by saying your ID was stolen or fraudulently used, you more than likely have to file a police report. It's the same as if you want to make a claim to the insurance about someone breaking into your car -- you have to show them a police report of the theft.

Once you file the police report, nothing will likely come of it since the police have more pressing issues to deal with, but with any luck the criminal (sister) will end up doing some time in jail.

 

[highland145]

+1 Boomer and Poker. Police report/file the identity theft with all 3 reporting agencies.

IIRC, identity theft is a federal crime. Even if you don't turn her in, I would scare the CRAP out her with this. Guy was making bogus loans at another company, got 3 years in a federal prison.

Lock all of your reports so that no one can access them without your security code.

 

[bruceb]

Do as already said and file formal complaints with all 3 credit bureaus. If they ask you to submit anything by mail, be sure it sent Certified or Registered with a Return Receipt. You want to be able to prove they actually for what you send to them.

 

[AstroManLuca]

Yeah, report it as identity theft. Don't say who you think it was though. Just plead total ignorance and make sure they know you've never lived in Florida. If you try to implicate a family member they might think you're trying to get revenge or something.

If she gets arrested, who cares. She deserves it.

 

[sourceninja]

I had a family member steal checks out of my checkbook. They slowly wrote themselves a few hundred in checks and eventually I bounced my car payment. I was young at the time and a few hundred was the difference between being on my own and living with my parents.

I filed charges. It created a huge rift in my family for a few weeks, but they got over it.

 

[rudder]

Contact the companies and tell them that you've apparently been the victim of identity theft. You've never lived in Florida and have never had their service.
Also, contact the credit companies and tell them the same thing.

As long as you can prove that you've lived elsewhere, you SHOULD be able to clear these.

Good advice, but if that doesn't work he will have to file fraud charges against his sister. No other way to get it removed.

oh and pics of sister

 

[HAL9000]

If the stress involved comes from the fact that your sister will tell your mother, then get in there first phone your Mum and tell her what your sister has been doing! Then call the police

 

[Cookie]

You don't cause stress in the family by reporting it, she caused the stress by screwing you over. F**k her! I know my brothers would never do anything like that to me, but if they did I wouldn't think twice about reporting it, and letting them live with the consequences. I really don't understand why you are trying to protect your sister... so she can do it again and screw over more people?

If you think your mom will take her side, call your mom first, play innocent about the sister, and tell her how worried/annoyed/frustrated you are about some unknown stranger using your information and that you are going to report it (or that you already have reported it).

 

[Apathetic]

At this point I don't see why you would need to implicate her. Just call up the companies and credit companies like BoomerD stated. You don't have to say it was your sister right off since it sounds like you can provide reasonable proof that you were never a resident of that state.

I completely agree. Just notify them that you've never lived in that state and it looks like you're the victim of identity fraud and let them take it from there. Don't even mention your sister. Let them figure it out.

Dave

 

[DaWhim]

this is clearly an identity theft case. who cares if that was your sister or not?

 

[Scotteq]

Report it


If Sis complains to mom: Respond with "Really!?!? Wow... It never crossed my mind that it could have been a family member; I just reported it to the authorities like everyone is supposed to. I would have helped had she asked. But I guess it's a little late now..."

Try hard to not laugh.

 

[ViviTheMage]

I would call your sister first and she if she will help you clear things up with the credit bureaus. Then I would change my SS number.

You can do this?

 

[Scotteq]

I would call your sister first and she if she will help you clear things up with the credit bureaus. Then I would change my SS number.

You can do this?

Yes, you can: http://www.esia.net/Social_Security_Numbers.htm

Applying for a New SSN

Take the following steps to apply for a new SSN:

Make an appointment to be interviewed in person at an SSA field office by calling 1-800-772-1213(voice) or 1-800-325-0778(TTY) or go directly to an SSA field office for the in-person interview.

If the SSA representative at the Social Security office is not aware of the current policy for assigning new SSNs in harassment, abuse, or life endangerment situations, refer the representative to Program Operations Manual System (POMS) chapter RM 00205.

If there are any problems applying for the new SSN, ask to speak with a supervisor or the field office manager. If, after going through all of these steps, you are still experiencing difficulty with your local office, contact NCADV's Public Policy Office at 202-745-1211 or policy@ncadv.org.

 

[ViviTheMage]

Interesting, what happens to the old one? Do they transfer the history from your current to the new SSN?

 

[highland145]

If Sis complains to mom: Respond with "Really!?!? Wow... It never crossed my mind that it could have been a family member; I just reported it to the authorities like everyone is supposed to. I would have helped had she asked. But I guess it's a little late now..."

Try hard to not laugh.

I'd laugh anyway.

Interesting, what happens to the old one? Do they transfer the history from your current to the new SSN?

Don't think it's very easy to get a new number. The current laws make it fairly easy to get your credit fixed and to lock your credit reports.

 

[CallMeJoe]

Report it
If Sis complains to mom: Respond with "Really!?!? Wow... It never crossed my mind that it could have been a family member; I just reported it to the authorities like everyone is supposed to. I would have helped had she asked. But I guess it's a little late now..."
Try hard to not laugh.

:thumbsup: :thumbsup:

This is what I was going to recommend. "No laughing" is implicit, since that obviously would make it difficult to sell your innocence if Sister Dearest whines to Mom.

 

[AlienCraft]

Write companies and dispute. They need to produce your signature, plus you can prove residence elsewhere.
Report the identity theft.
Send copies of Police Report to Credit bureaus with demand to remove. Send certified.
Be prepared to sue in small claims court for statutory maximum.
Use Quizzle to monitor credit report for changes. It's freee and links to Experian.
While you're at it, challenge any negative aproximately 14 to 30 days before you plan to seek financing. That will remove them for aprox. 60 days while they contact the reporting company. This will boost your FICO score for about 60-75 days.
After you get financing, request a credit FREEZE from each reporting company (Experian,etc.). This prevents anyone from using your name and number, so long as your PIN on the freeze is strong.

My brother just stole stuff from me. I can buy more stuff.

 

[zinfamous]

well no.. you forgot about the legal fees and repercussions of the bitch slap.

I chuckled.

 

[zinfamous]

Not so sure about that.... I think she will just beg/plead with me and get my mother involved. The stress will be high. I'd like to just report it calmly, mater of factually to all 3 bureaus and let the chips fall where they may.

I live in MA by the way. Uhhh, yeah I'm not going to declare bankruptcy over a grand. I make too much for it to even be an option (and a stupid one at that).

wha? so you just let her continue to walk over you and rape your credit history? fuck that.

confront the bitch or it's only going to continue. Have you been a doormat your entire life?

 

[olds]

Pics of sister?

 

[Lithium381]

What is the time period listed?

 

[jhu]

Pics of sister?

If you don't have pics, please answer this: would you do her if she wasn't your sister?

 

[olds]

If you don't have pics, please answer this: would you do her if she wasn't your sister?

I'd do her if she WAS my sister.

 

[Baasha]

Judge Judy.

ROFL! I almost spat my tea on the keyboard..hahaahha..