More details to this question:
I have been the victim of identity theft/identity fraud in literally every way possible! From someone trying to use my SSN to file taxes (I received a letter from the IRS confirming; this is how I initially found out about someone trying to steal my identity), to not only stealing all the grants I was supposed to have received and my financial aid disbursements by actually filling out my FASFA forms themselves!! I signed up for and was granted unemployment, however, I never received any of the payments that I was supposed to get weekly. My medical insurance has been used to see a doctor I have never heard of. There are credit cards in my name, however, I am not the one using any of them. I have tried every mobile banking, such as CashApp, PayPay, Go2Bank, etc., as well as a local bank but somehow, someway, within just a couple hours (if that long) of having a new account, or card, whoever is stealing from me has all of that information, so then that leaves me right back at square one!!
1 ANSWER
Consumer Law Attorney serving Waukesha, WI
at
Matthew McKenna
Update Your Profile
The first thing I would do (if you haven't already done so) is to place a security freeze on your credit reports to make sure additional accounts aren't taken out in your name. I would also make sure you change your passwords on all accounts. You should also file a police report and also file a FTC Fraud Affidavit as there are some parts of this that may be able to be handled by law enforcement. You may also want to reach out to the FBI.
I would then work on pulling your credit reports to review which fraudulent accounts are reporting on your credit reports. You should be able to access your Experian, Equifax, and Trans Union credit reports for free once per year. There are also other credit reporting agencies that you can pull reports from.
Here is a link to a list: https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-companies-list_2023.pdf
From there, you'll want to work on disputing the fraudulent information with each of the credit reporting agencies to have them work on taking these fraudulent accounts off of your credit reports.
You can also reach out to a consumer protection attorney. Many offer free consultations.
Answered on Jan 08th, 2024 at 10:44 AM