someone stole my identity and obtained a credit card with a $300 limit under my name then maxed it out?

Question

what are the list of charges this person could face?

Answer 1

Hello Kenn:

The list of charges could vary depending on local and state laws, in addition to any federal laws related to the offense. In most jurisdictions the charges can be the following:

1. Identity Theft (Local, State, Federal)
2. Impersonation (Local & State)
3. Wrongful Use of a Social Security Number (Federal)
4. Fraud (Local, State, Federal)

Since the person used your SSN (Social Security Number) to obtain a credit card, that person could also serve between 2-10 years in a Federal Prison in addition to any local and state sentence.

Make sure you report it to your local authorities or to the FBI. The FBI has a place online for you to report this. Visit http://www.fbi.gov for more information.

Answer 2

Dunno. But do this.

1) File a police report in the city where the charges were incurred. You can do this over the phone, as I recall.
2) Go online and download from the FTC (Federal Trade Commission) an Affidavit of Identity Theft). http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf
3) Request your credit report from the three credit reporting agencies (Equifax, Transunion, and Experian) and IMMEDIATELY report any charges or entries that don't look like they're you. Ask them, and ask your creditors, to put a fraud alert on your account.
Equifax: 1-800-525-6285, www.equifax.com, P.O Box 740241, Atlanta, GA 30374-0241

Experian: 1-888-EXPERIAN (397-3742), www.experian.com, P.O Box 9532, Allen, TX 75013

TransUnion: 1-800-680-7289, www.transunion.com, Fraud Victim Assistance Division, P.O Box 6790, Fullerton, CA 92834-6790

http://idtheft.about.com/od/identitytheftresources/p/CRBureaus.htm
4) Provide ALL of your creditors written evidence (with your name and address, going back about a year or so, longer is better) that you were not living in the city where the charges were incurred at the time they were incurred, and if possible, evidence that you were elsewhere, such as a gas station bill from another city where you WERE at the time. Keep the originals.
5) Ask your creditors, the credit reporting agencies, what else they need to assist them in treating this as a serious report of identity theft.

You MUST do these things or YOU will be likely be responsible for the charges.

This does not mean this is ALL you should do, just what you should do NOW.

Answer 3

If you should ever find out who this person is, they can face numerous Federal charges. However, in most identity theft cases the criminal is never found. You had just better start correcting this matter yourself to regain your identity and credit. It will not be easy or quick.

Answer 4

in case you do not press fee her then you purely ought to submit with it. notwithstanding, you'll get an identity robbery safe practices from any mastercard company. It expenditures $12.ninety 9 a month. even as someone opens an account, they are going to notify you. in addition they deliver you 3 credit comments from 3 businesses 3 circumstances a twelve months. proceed paying on time and save a watch on her. no individual is favourite with for efficient how lengthy it is going to take to carry lower back your solid status. in case you could't trust someone you married to, how will you've self assurance her in some thing else that she does? i'd positioned a good leash on her. what style of someone would attempt this to their spouse is previous me.

Answer 5

300 isn't going to take long to max out. You must have bad credit anyway if someone acting as you only has a card with a 300 limit LOL

Answer 6

First of all, I hope you've reported it, and talked to all three credit bureaus to have them "red flag" your name for the future. The "red flag" will last for seven years. Any activity on your name will be carefully watched, and you'll be contacted.
As far as charges, how about identity theft, and credit fraud for starters. I was once a victim of identity theft, myself. It's not fun. Hope it works out for you.

Answer 7

none just make and stop payment before you lost all you money