| My father has been using my SSN.... Any Advice |
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tjr19136
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| My father has been using my SSN.... Any Advice |
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My father has been using my SSN since I was 13 years old, which is pretty easy for him because we have the same name. I first found this out when I was 16 years old and I was trying to get cable in my name and the cable company told me I owed them over 1k for not returning cable boxes; the cable company removed the debt instantly because of my age at the time. Furthermore, as I got older I began receiving more bills via mail and bill collectors calling me in regard to debts I knew nothing about, so I eventually ended up requesting all three of my credit reports, and I discovered tons of debts on my credit reports, which I was not responsible for obtaining. I contacted my father and he played possum by saying that the debts must be errors, which was crap because these companies were given my SSN. Moreover, I obtained a police report which I sent to all 3 credit report agencies and disputed the debts and I was successful in getting some but not all of the debts removed. In regards to proving my residence, some of the debtors are giving me a hard time by asking me to supply an apartment lease, which I can’t because I lived with my mother my entire life. Currently I am a 23 year old college student, and now I am thinking about taking him to small claims court.
Do anyone have any experience in regard to this sort situation, or any advice for me.
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Mon Aug 15, 2011 5:45 pm |
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kate032
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Your own father? That's just disgusting.
One thing I know that you can do is to put a fraud alert on all 3 of the major credit bureaus. Therefore, if anyone tries to open an account in your name, you will be alerted and you must verify that you yourself tried to open the account. That doesn't help for what happened in the past, I know.
Small claims court is for a very limited amount of money, something like $5,000, I think, so I'm not sure what that would do, but criminal charges could and should be brought against your father.
What you may be able to do is request the information that was provided for these fraudulent accounts. If you were attending college for the past few years, the college should be able to provide the home address of your mother, but whether the companies will accept that, I don't know.
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Tue Aug 16, 2011 3:18 am |
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eastmn
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Yes, I've been through this with my own father. We also have the same name. If you report him as fraud, he would very likely go to jail. What I did was call and close all his accounts without mentioning the fraud. I then put a fraud alert on my credit report saying that new credit cannot be issued without first calling my exact specified phone number. This locked him out. All of the fraud will slowly clear itself, but you need to check your report every year to make sure that the bad stuff is removed according to federal law (7years).
You can put the fraud alert on your report for free by going to the 3 major credit bureau's websites.
http://www.bankrate.com/finance/credit-debt/contacting-the-credit-bureaus.aspx
As for reporting it as fraud, well, that's your choice.
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Last edited by eastmn on Tue Aug 16, 2011 10:43 am; edited 2 times in total |
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Tue Aug 16, 2011 6:24 am |
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eastmn
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With my Dad, this incident was the final straw. Cut all communication in January 2000, and I've never looked back. He's tried contacting us children over the years, but we've all learned our lesson (he's a sociopath).
Profile of the Sociopath: http://www.mcafee.cc/Bin/sb.html
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Tue Aug 16, 2011 10:04 am |
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eastmn
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The only problem I had with the "Fraud Alert" was that I did have a phone number change, once, which locked me out until I could personally appear at the bureau with my ID to correct the contact phone number. They also charged me $15 for the number change. Smooth sailing since.
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Tue Aug 16, 2011 10:48 am |
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eastmn
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If you have any problems at from the credit bureaus, just contact your local Attorney General's Office (The Fed); and they'll handle it for you.
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Tue Aug 16, 2011 3:33 pm |
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tjr19136
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I did all the fraud alerts, typed letters and the whole 9 yards, with some success; however, there are some debtors who are just remorseless. I plan on adding up all the remaining debts on my credit reports that he’s responsible for obtaining, and give him a specific deadline in regards to submitting me a full payment for the debts. If he doesn’t submit a payment then I will precede the court system.
Both of my parents suffer for a permanent immaturity disorder. My mother is a sociopath with an inferiority complex who likes surrounding herself around people she can look down upon and talk down on. My father is just simply weak minded, that’s why my mother targeted him. I guess my father thought my mother was going to destroy me, so I would never have use of my credit….. My mother had my father paying $600 a month in child support, while she was working 2 decent paying jobs, and she still raised me in a ghetto and put no money away at all for me to go to college.
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Tue Aug 16, 2011 5:27 pm |
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eastmn
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I had to use the Attorney General's Office (The Feds) to get mine straight. They don't play around, and will fine the hell out of the credit bureaus.
By Federal Law, bureaus cannot intentionally report incorrect information. It's libel plus civil damages. Just say that you apply for a house or car which is on sale for $50k off (auction), and you get turned down, miss the sale, and lose 50k (in equity). Plus, it ruins your good name and reputation. Damages...
Just give them (Fed) a call or email, and they'll have it all straight within 30-40 days. You'll then have to do checkups every year or so.
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Tue Aug 16, 2011 5:43 pm |
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tjr19136
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quote:
I had to use the Attorney General's Office (The Feds) to get mine straight. They don't play around, and will fine the hell out of the credit bureaus.
By Federal Law, bureaus cannot intentionally report incorrect information. It's libel plus civil damages. Just say that you apply for a house or car which is on sale for $50k off (auction), and you get turned down, miss the sale, and lose 50k (in equity). Plus, it ruins your good name and reputation. Damages...
Just give them (Fed) a call or email, and they'll have it all straight within 30-40 days. You'll then have to do checkups every year or so.
Thanks Eastmn; I will do that, and yes it does ruin and damages your name and reputation. I plan on going to graduate school and heard that they are critical in regard to credit.
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Tue Aug 16, 2011 6:09 pm |
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eastmn
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You stated that you have written letters to the creditors, but normally you file the dispute with the credit bureau and they make the final (timely) decision, not the creditor. Asking you for rental agreement is not something the credit bureau should allow. The creditor must show proof to the bureau, not you. Of coarse, also keep in mind that getting the creditor booted might provoke them to take legal action.
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Tue Aug 16, 2011 11:17 pm |
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