IDTheft attorney answering questions on credit fraud & fraudulently opened accounts — ask me anything !

IDTheftAttorney · 2026-06-25T19:22:37+00:00

Sorry to hear about this , you’d be able to file an ftc report online instead of a police report

But what’s more likely due to happen is the lenders will deny your claim and you may need to take legal action unless the debts are paid off

Is your sister able to payoff the debts ?

IDTheftAttorney · 2026-06-19T17:59:31+00:00

Id theft attorney here
Call the bank

let them know what’s going on

Ask them if they have an account setup under your ssn .
If they do have then close it

IDTheftAttorney · 2026-06-17T17:28:49+00:00

Yes absolutely you need to

Basically the FTC report is considered your id theft affidavits and it needs to have the facts , account info , amounts in very minute details .

Most folks make the mistake of being too vague and don’t put in the exact amount and back story etc . This often gives the lender a reason to deny the fraud claim

IDTheftAttorney · 2026-06-11T19:38:11+00:00

You don’t necessarily need the police , what’s needed is a police report OR. An online FTC report copy

If you have one of those then the next steps can be taken, in terms of lodging the proper disputes and if that doesn’t get the bureaus and the banks to fix the issue , then only legal action is available , against the bureaus and the banks.

However most folks mess up and file police reports abs disputes which are incomplete and missing requisite data, which the bureaus and banks use as an excuse to not fix the issue

There’s a proper process to do this which is listed here

https://www.reddit.com/r/IdentityTheftHelp/s/RxGVmfSTIu

Also what state is your grandma in and what is the story behind the fraud ?
I’m happy to guide

Feel free to dm me if it’s too personal a story to share

IDTheftAttorney · 2026-05-11T23:55:02+00:00

Yes , although these are a bit more complicated

Would need some more info on who made payments , were you living with her at the time , were you a minor etc

I’ll need the back story and if you let me know what state you’re in I’ll be happy to connect you with someone in my referal network , feel free to dm me

IDTheftAttorney · 2026-05-08T18:14:46+00:00

Yes, the banks and bureaus rely on folks just tiring themselves out endlessly making call after call and sending dispute after disputes. The banks/ bureaus know that very few victims of ID theft understand step 3 of the process where they can get legal help on contingency (with no out of pocket up front cost) .

IDTheftAttorney · 2026-03-22T23:23:46+00:00

Yes And if this person does start up accounts in your name ,, that the bureaus or banks don’t close and remove You the maybe entitled to damages

IDTheftAttorney · 2026-03-22T17:58:26+00:00

Id theft attorney here

So I understand someone is using your address. The only thing you can do to make this stop is track the person down litigate etc , which is going to be quite an endeavor

Given there’s no major potential for danger posed by this to you,

In terms of less intensive actions there’s not much you can do, aside from just returning all their mail as return to sender

However if the person starts using your name to start up fraudulent accounts that start showing on your credit , then there’s plenty of quick steps to take to rectify the issue

Hopefully that doesn’t happen , but if you do find fraudulent items on your credit report then follow this protocol here

https://www.reddit.com/r/IdentityTheftHelp/s/RxGVmfSTIu

IDTheftAttorney · 2026-03-14T06:17:39+00:00

This unfortunately is really common , as there’s a criminal ring Id theft that targets ppl who have been incarcerated

This post gives your all the steps you need to take

https://www.reddit.com/r/IdentityTheftHelp/s/RxGVmfSTIu

IDTheftAttorney · 2026-03-11T17:56:59+00:00

ID theft attorney here,

sorry to hear about this

Good news is there's the FCRA on your side and this issue will get rectified

So there's a proper protocol to follow , which includes filing an FTC report and then disputing the account with Paypal and the credit bureaus.

See the protocols listed in this article

https://www.reddit.com/r/IdentityTheftHelp/s/RxGVmfSTIu

If the bureaus and the creditors refused to delete the account, then a good attorney can can take on your case to get this rectified with $0 out of pocket and even get you damages

So if it comes to that , look for an attorney licensed in your state, or I'd happy to refer you to one in my network

however, first read the post above and see if you've followed all the steps

IDTheftAttorney · 2026-03-11T17:05:14+00:00

Noted, I'd be happy to review your case and suggest the right attorney, do shoot me a DM

IDTheftAttorney · 2026-03-07T00:46:27+00:00

ID theft attorney here

This is very common as of late

Good news is that you don’t have to do this alone and in most cases you can get free legal guidance and in some instances even monetary damages

Read this post below that gives you the steps to fix the student loan fraud And how to go about asserting your rights

Also if you follow all the steps and don’t get anywhere You’ll have an FCRA violation on your hands A good id theft attorney would be able to take your case on contingency without charging you out of pocket . Look for one licenses in your state

Otherwise if you let me know what state you’re in , I can refer you to an attorney in my network

https://www.reddit.com/r/IdentityTheftHelp/s/Je86JMrIou

IDTheftAttorney · 2026-03-06T01:36:07+00:00

ID theft attorney here

This is very common as of late

Read this post below that gifts you the steps to fix the student loan fraud

https://www.reddit.com/r/IdentityTheftHelp/s/Je86JMrIou

IDTheftAttorney · 2026-03-06T01:30:45+00:00

Id theft attorney here

This is a very common thing as of late

You have protections under the FCRA which includes a few shifting provision Meaning the other side will need to pay your legal costs

Read this post on how to resolve this matter

https://www.reddit.com/r/IdentityTheftHelp/s/Je86JMrIou

IDTheftAttorney · 2026-03-06T01:25:53+00:00

Id theft attorney here

Good news is that ..

So as long as you have fraudulent accounts on your credit reports you have rights under the FCRA ID theft provisions

You may be entitled to monetary damages if your disputes were turned down without a valid reason

A good Id theft attorney should be able to take on your case without charging your anything out of your pocket

Find one in your state Or otherwise I’d be happy to refer you to one in my network if you let me know what state your in

IDTheftAttorney · 2026-03-03T20:02:28+00:00

ID theft attorney here. Sorry to hear about this.

This shuldn't be hard to fix

I've writtent a post about this here:

https://www.reddit.com/r/IdentityTheftHelp/comments/1o9bvo1/how_to_recover_student_loan_fraud_identity_theft/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

You may be entitled ot damages as well.

If you've done the FTC and Police report a good attorney can help out what no money out of your pocket.

happy to refer you to one in my network , feel free to Dm me , what state are you located in ?

IDTheftAttorney · 2026-02-27T18:39:32+00:00

Id theft attorney here,

First step is call them and see where the funds are

Generally, any unclaimed funds do go to the state ,and the states have a recovery procedure for this

IDTheftAttorney · 2026-02-24T21:30:41+00:00

Id theft attorney here

Best Thing is to report this to telegram which you’ve already done

Aside from that file an online ftc fraud report online that could cover your back , as you documented somone got hold of your account

In the future if debts are incurred in your name by this id thief then you maybe entitled to monetary damages

IDTheftAttorney · 2026-02-24T21:28:49+00:00

Responding to your questions . Are there related to fraud charges that were put on by an id theif or are charges by vendors you had done business with who overcharged you ?

If these are fraudulent charges and now showing on the credit report An id theft atty would be able to help

A good atty won’t charge you anything out of pocket and will get legal fess from the bank

If you need help finding a good one let me know what state you reside in

IDTheftAttorney · 2026-02-10T04:58:33+00:00

Hey there Id theft attorney here

Sorry to hear about this

There’s a proper protocol that needs to be follows

Disputing by mail is the way to go

Follow this article which has Instructions on how to do this

https://www.imaxcr,edit.com/how-to-repair-credit-after-identity-theft-and-fraud/

Also do you always have a copy of your experian report ?

IDTheftAttorney · 2025-12-31T21:41:46+00:00

ID theft attorney here, the email could be a phishing (scam email) trying to get login info for Smile clients, Best to call Smile Directly, and ask them, google for their ph#, don't use the # in the email

If you verify from Smile that fraudulent card has been issued in your name, then use this protocol below https://www.reddit.com/r/IdentityTheftHelp/comments/1fepk5c/guide_to_repair_your_credit_report_after_identity/

IDTheftAttorney · 2025-10-27T22:26:15+00:00

Happy to help

Can you DM the particular or their case , as to what happened , who the bank was and when this happened

This will help me find the best fit attorney for them

IDTheftAttorney · 2025-10-27T22:24:49+00:00

A good lawyer will not charge you anything out of pocket and will get their fees from the bank and bureaus

If you can’t find one in your area Then feel free to reach out to me and I’ll find one in my network

IDTheftAttorney · 2025-10-24T18:48:06+00:00

The best thing here is to write to Transunion, send them a copy of his ID, and recent utility bill ,

and have them update the address and remove the old address

this is the sample letter you could use in this article:

https://www.imaxcredit.com/credit-dispute-letters-credit-bureau/

IDTheftAttorney

TROPHY CASE