When someone uses YOUR SOCIAL SECURITY NUMBER and messes up your credit!!!!!!!!!!!!?

a friend of mine is in a bind. please give any advice you my have. her mom, who is %26quot;old fashioned%26quot; has always depended on using cash and has never appllied for a credit card, or needed to apply for a loan, buy a home, or anything that required a credit check. that is until two months ago, when my friends mom and her went to the bank to try and have her mom co-sign for a small business loan. her mom should have been approved right? but the bank said that her credt was very bad. this is when they ordered a report from a credit agency..... they found out that someone in the human resources department of where her mom works that has a known gambling problem used her mom's information to apply for credit and list her name as %26quot;AKA%26quot;. this means that my friends mom would have her credit and her reputaion damaged right?

please help me to help my friend. what can we do about this person who used my friend's mom's identity as her own??????

is this what you call identity theft???

When someone uses YOUR SOCIAL SECURITY NUMBER and messes up your credit!!!!!!!!!!!!?

She should file a police report immediately.

Then she should pull all three credit reports and make a list of the accounts that she %26quot;knows%26quot; is not hers.

Then she send a copy of the police report to all three credit bureaus along with a letter listing all of the accounts in dispute.

They will place a fraud alert on her files. It will make it a hassle for your friends mom to apply for credit, but not impossible.

When someone uses YOUR SOCIAL SECURITY NUMBER and messes up your credit!!!!!!!!!!!!?

The person that did that is in big trouble and should be prosecuted. After being prosecuted send the court papers to all the credit reporting agencies and they will remove the negatives.

When someone uses YOUR SOCIAL SECURITY NUMBER and messes up your credit!!!!!!!!!!!!?

Yes that is identity theft. Sorry! It should be reported ASAP!

When someone uses YOUR SOCIAL SECURITY NUMBER and messes up your credit!!!!!!!!!!!!?

find that HR person and SUE THAT BIT*CH. sue the company too. you'll get so much money that she won't even care what her credit score is.

When someone uses YOUR SOCIAL SECURITY NUMBER and messes up your credit!!!!!!!!!!!!?

If this person applied for loan or credit card, it means the loan document or the credit card should have gone to her address or the company address. That is how you prove it because even if it went to the company address, her names is listed as AKA, so there is no way your friend's mom would know about it. First thing to do is to sing up with Equifax. (because they will actually talk to you on the phone if you are a paying client) Then, get the phone numbers of all the company she falsely applied credit for and call them and notify them it's a fraud. Cancel all the account. Tell them since she didn't sign anything and the address and name were wrong, so, she wasn't at fault. Insist that she shouldn't be paying for anything. If they argue, accuse them for accepting AKA without even verifying it was the person whose name belonged to the SS#. If they still argue, tell them she will talk to a lawyer. (However, once the charge is filed against the person, the companies are more likely to drop the case). Then call the authority (I'm not sure if FBI or police, but, try both) and file a crime report. It's an identity theft and it's a crime. She should act immediately. And keep the Equifax monitoring service.