Hi. Sorry for the bad formatting, obligatory mobile post.
I’ve been dealing with someone who has stolen my identity for almost the past year. They have opened a false LLC in my name in a state I’ve never been to and have been continuously opening fraudulent business checking accounts in my name and have attempted to opened credit accounts as well.
They have succeeded with one and now a debt of $2,000 has been sent to collections in my name.
I have no idea what to do next because nothing is working. I have my credit frozen by the three credit unions but they were able to open this account anyways, months after I enacted the freeze. I disputed the account but they have simply “affirmed that it belongs to me”. I have filed a police report in my state and they haven’t taken it seriously because it’s not in my state. And the person who has my information keeps adding their personal information to my credit reports even though I keep reporting it.
I have no idea what to do. I can’t pay the amount sent to collections and even if I could, I don’t think I should have to because it isn’t mine. I’m at my wit’s end and I have no idea how to make this stop.
States register LLCs, contact the state agency this one is registered with and notify them that it’s fraudulent. It will be more difficult for this person to obtain business accounts with the registration ended/marked as fraudulent.
Work in banking and teach victims how to react to identity theft regularly—I can give you some recommendations here!
First, a freeze is not sufficient here—you need to have a fraud alert placed on your credit profile. This lets anyone running your credit know that you have been a victim of identity theft and will cause anyone running it to heavily scrutinize the applications placed for ID theft. For a freeze, if the freeze works they can’t open it—if they get past it (like you mentioned), the institution won’t know to worry about ID theft (more than they already do). This will prevent that and will decrease your odds of the fraudsters being able to open more accounts than if you merely placed a freeze.
Next, you want to go through the process of recovering your identity. Go to identitytheft.gov, create an account, and start the process of recovering your identity. Right now you’re passively combatting it, but you need to actively do so and that website can recommend the steps you can take to do so.
For your debt that’s not actually yours, find out who it’s owed to and call that financial institution. Immediately when you say you’re a victim of identity theft and you did not open that account, they will be legally obligated to remove the account from collections. That’s how you combat the debt: report, report, report.
Best of luck, it’s a horrible situation and I hope this helps!
File a report in the other state too! Look up some contacts as well from google on local Sheriff in that county. Find out who runs a cyber or fraud division in that county and contact them for assistance. Then send those county reports to the credit agencies.
To prevent new bank accounts you’ll need to freeze with chexsystems too.
https://www.chexsystems.com/security-freeze/information
You can also put a fraud alert on all credit bureaus. If anyone trys to open anything in your name they will call you to verify it’s really you first. Keep a paper trail do police reports for every fraudulent item on your credit reports.
Freeze credit (along with fraud alerts) on the “big three” is useful. But also freeze/fraud alert with these agencies:
​
1. [https://www.exchangeservicecenter.com/#/](https://www.exchangeservicecenter.com/#/)
1. “NCTUE”, the National Consumer Telecom and Utilities Exchange. Helps prevent new utility, cable, phone, gas/electric, etc accounts from being formed fraudulently.
2. [https://www.innovis.com/personal/securityFreeze](https://www.innovis.com/personal/securityFreeze)
1. Innovis. The “Fourth” credit agency. Much smaller, but they are used by some vendors. Fraud alert and freeze with them as well.
3. [https://www.chexsystems.com/security-freeze/place-freeze](https://www.chexsystems.com/security-freeze/place-freeze)
1. Another commenter mentions this, but this is the “credit agency” for deposit bank accounts. Not all banks use it, but most do. If you put a fraud alert and “freeze” no one should be able to create a new account at any participating bank.
I would suggest CFPB might be beneficial here. If you locked your credit and an account was opened someone did not follow financial rules in place. They would at least be able to point you in a good direction if unable to help.
Don’t forget to change your social security number / report this to the social security office. At a minimum, this creates a paper trail to go back on. If the government is working in a expedious manner, then they shouldn’t be able to open anything else if they have your old social security number.
>I disputed the account but they have simply “affirmed that it belongs to me”.
The same thing happened to me. This is why we need to initiate a class action lawsuit for libel against all of the credit reporting agencies. I’ve been saying this for 25 years now. They libel us, which causes us to pay higher interest and all of the things that bad credit does. They make essentially zero effort to ensure that the information they provide is correct, and that has a massively profound negative impact on our lives. The fact that they are allowed to get way with this is beyond outrageous.
You need to get in contact with your state attorney generals office and the the attorney generals office in the state the LLC is working out of. Give them copies of the police report and all documentation you have. Since it is across state lines, the AG’s offices will coordinate with the FBI as this is a federal matter. P
Just for good measure, stick a post in r/legaladvice. Include your state and, if you know, the other person’s state as well. But yours is the most important.
Time to contact the IRS about a new social security number.
Edit: yes, SSA. ‘Twas tired last night.
I think you should contact the FTC federal trade commission and get a case started
Tell the sate Division of Corporations that is in charge of filing that you wish to submit a Statement of Fact stating that the corporate filing was opened without your knowledge and you want your name removed as a registered agent and ask for an administrative dissolution of the filing.
You probably did this when you froze your credit, but I’m a huge believer in the FTC’s identity theft assistance program. Go sign up on their website ftc.gov and fill out all the details regarding the identity theft. This is a felony at the national scale, so local cops won’t help like the FTC and FBI can.
There is a 4th credit bureau that no one really ever talks about. Which credit bureaus did you freeze your credit on?
Hire a private investigator. You’ve got the fraud lawsuit of a lifetime, with bills and account records to boot. It won’t take long for them to have this person identified.
Have you looked up the articles of incorporation on that states website? It may have a lot of their personal information on it like their address. That could be of help when talking to police in their state.
There should be some kind of document you can file that will tag your name and info as being fraudulently used. That should make things more difficult, if not block them from using it.
You need to report with the agency they Registered the LLC in. Also contact social security to lock and put a pin on your social because that’s really how they’re doing everything. And please please use a random pin, literally eeny meeni miney mo numbers for your pin because most people use family birthdays and stuff that someone who had your identity would already know.
So you have their personal information? Hunt them down.
None of this is making sense, First to open a business checking you need an EIN, Call the irs get the EIN, after all technically it is your EIN, Run that report through DUN and Bradstreet. I got a feeling alot more is going to come back than a 2000 dollar debt. Also you never said what the debt is from, Is it from the bak account they opened, Have you called cash app. Find out who the transactions were sent to. Theres always a way.
Try /r/legaladvice.
Since it crosses state lines, you can report at the federal level.
https://reportfraud.ftc.gov/#/?orgcode=TFMICF
https://www.fbi.gov/contact-us
I feel all the sympathy for you. My phone has been hacked twice and all my appointments have been cancelled. I just give up and say Fuck you shove it up your ass I don’t want it.
If it is across state lines you could also contact the FBI
If you don’t get definite answers and resolutions in a reasonable time you should write your congressperson’s or senator’s office (if you do, google how to go about that). Their staff makes calls to places that people do not want to twiddle their thumbs on
Before you do that, you’ll want to have watertight documentation and all your paperwork in order, though.
>I have no idea what to do next because nothing is working. I have my credit frozen by the three credit unions but they were able to open this account anyways, months after I enacted the freeze. I disputed the account but they have simply “affirmed that it belongs to me”. I have filed a police report in my state and they haven’t taken it seriously because it’s not in my state. And the person who has my information keeps adding their personal information to my credit reports even though I keep reporting it.
So your first step on a fraudulent item on your credit is to dispute. They must then contact the entity that put the item on your credit, who has 30 days to affirm the item.
See this nolo article for more detail on how to continue to dispute; this will lead up to small claims [https://www.nolo.com/legal-encyclopedia/if-the-credit-reporting-agency-does-not-correct-your-report-what-do.html](https://www.nolo.com/legal-encyclopedia/if-the-credit-reporting-agency-does-not-correct-your-report-what-do.html)
Equifax provides some more info related to id theft reports: [https://www.equifax.com/personal/help/rights-fcra-identity-theft/](https://www.equifax.com/personal/help/rights-fcra-identity-theft/)
If you have filed your identity theft report, re-disputed with the correct documentation of your id theft report, and they still refuse to remove it, you may have rights to sue both the credit agency (if they are not following all applicable rules and regs) and the creditor. Here’s one on that: [https://donotpay.com/learn/suing-creditor-for-incorrect-reporting/](https://donotpay.com/learn/suing-creditor-for-incorrect-reporting/)
​
>And the person who has my information keeps adding their personal information to my credit reports even though I keep reporting it.
This sounds terrifying.
Incidentally – any idea how they came upon your info?
You may want to look into identity theft cleanup services (I have no idea how useful/legit they are).
But this is top of mind – parents just got their identity stolen, with no significant damage *yet* but of course, this can get crazy.
Might want to check with IRS as well. If they have the EIN for the LLLC they had to list your SSN an individual SSN for the responsible party. If they fall delinquent on payroll taxes, liens etc. they will come after you.
https://www.reddit.com/r/personalfinance/wiki/identity_theft/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
The important thing about things like this is that it isn’t “do something and wait for the results”. It’s do something, document the time and date you did it, call the next agency and give them the report numbers from the first number, find out from them who the next person you should call is. Collect emails and contact information for each person and include it in the documentation you are creating as you go. When you have done as much as you can for the day, summarize everything you have done in an email to the appropriate contacts. Keep notes of when they say that certain things will we done or times to check back with them and contact them at that exact time. Follow all instructions to the letter, ask a lot of questions about how similar things have been resolved in the past.
The following day, check back and see the status of everything and make sure that they got your emails. Be very friend and helpful in every stage of this. Ask them how you can protect your credit and what you should do to help the process. If the creditors are contacting you, collect all the information about this as possible (names, co owners, addresses in the other state), and do not provide any financial information to them at all. Don’t forget to thank them for helping with the fraud investigation- it’s lovely to be nice to them (feels good 😉 ).
Notice the persistence? That’s the only thing that works… that all parties know that you are a lovely human being who is not going to go away (don’t tell them that, show them that with your follow through)
You have to file police reports in the jurisdiction where the activity happened. Telling your own state about what’s going on in some other state, you might as well report it to Scotland Yard.
I remember when my identity was stolen and I didn’t find out till 2016. It was stolen the year after I was born in 1993.
I was in army training that requires a security clearance and I failed the background. They called me in and sat me down laying out a stack of papers. It was a shitload of credit card debt, car loans, mortgages, and other debts.
I was baffled. Some of the loans were opened in like 98. I was 6 years old but the Army told me I had no choice but to prove it wasn’t me. I ended up pulling credit reports and calling those debt company’s to track down the most recent address and it was like a 2 year old debt.
Had to get the police involved in Chicago, a state I HAVE NEVER BEEN TOO. They ended up arresting a dude who was the EXACT same age as me, which pisses me off because even he was too young to use my identity all those years. Apparently my identity was popular to just pass around. Benefits of having 3 first names I guess.
Turns out I was also married. I’d really love it if that wife would come around some time to clean and cook. Idk how my current wife would feel about it but I’m sure she wouldn’t mind all too much.
I wrote ALOT of dispute letters to each credit company and I had to write 24 personalized letters to the IRS disputing the 24 years of taxes that were reported and unpaid and all that crap.
It took me 9 months of Monday through Friday phone calls and writing letters to clear it up. Once they made an arrest I was able to send the 500 page police report to everyone and it cleared most stuff up.
It took me like 3 years to build my credit up, but it was probably shit anyway since I was so young at the time and had never worked on it before.
Edit: I just remembered when I first called the IRS the people told me to ask my mom if I had been in any baby commercials that could account for the income I made when I was a baby lol.
Can the state police help her, I am not sure, just a thought.
Also she said she checked the checking account that was opened in LLC name and there wasn’t much activity. Could the possibly be using the LLC for laundering money?
Think your at your wits end now? Wait til tax time!
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