Person using my address to obtain credit. Can I stop them?

Question

My fiance and I are have become aware that an ex-boyfriend of hers is currently attempting to get credit (car loan) and is using OUR home address. He did live her over a years ago and he is using this address because it is a house. He lives in an apartment and is being kicked out on July 25th (heard it through the grapevine) so the reason he is using our address is because he is claiming to be a home owner. he does not own MY home nor does he live there so I am wondering what I can do, if anything, to make creditors aware that he is using a fake address? We considered dropping a letter off to him at his apartment but he is not entirely stable and he might pull some kind of stunt. Could we do anything through the courts, something officialy that lets him know he is forbidden to use our address on his credit applications?

Answer 1

mark any mail he gets with return to sender,no person with that name lives here,call the places hes trying to get it from and tell them no one by that name lives there.

Answer 2

I agree with those who have said to simply mark any correspondence that comes in his name indicating that the adressee doesn't reside there and having it returned.

Beyond that, it should become readily apparent to anyone reviewing his credit report that he does not own the home, as the mortgage won't appear on his credit report. Unless, of course, he was a co-borrower when the home was purchased and your fiancee hasn't had him removed from the deed... which I don't suspect is the case.

So... I say don't worry about stirring the pot. Seems as if he's got enough rope to hang himself as it is. I don't see anything in your post that would indicate any harm could come to you or your fiancee, and the situation isn't anything like identity theft.

EDIT:

Also, if it's been over a year since he's lived there, his credit report will likely also reflect a different address as current and your address as a prior one. And... if he's irresponsible enough to be in the midst of an eviction, he probably has other negative marks on the credit report and won't be approved anyway.

Answer 3

He's making false statements on a bank loan application which is fraud and he is also knowingly committing identity theft.

Both are very serious crimes. Felonies, as a matter of fact. I would contact the local authorities. If they are unable to arrest him, contact the FBI.

It's not only your right, but also your obligation as a responsible citizen to report these crimes to the proper authorities.

Answer 4

i will basically speculate, using fact I even have 4 hypotheses and no thank you to attempt them. #a million they could be advertising the stuff - the two immediately, or by way of commissions on a rev-share like Amazon. they could purchase the stuff and make financial enterprise on the ten% kickback from the corporation. #2 they could be attempting to construct a favorable historic previous with the corporation so a metamorphosis-of-delivery handle with the provider provider isn't a purple-flag. they could the two substitute the delivery handle at purchase time, or as a metamorphosis of handle after the acquisition. #3 it must be somebody on your community who planned to fetch the stuff out of the doorstep. they could have intercepted your card information from a cordless telephone call with a scanner, or they could have a crossed telephone line. they could have a superzoom digicam that permit them to study your card on your kitchen counter, or they could have a cable modem interior a similar block and are reading your (insecure) digital mail. (gee, it is frightening). #4 consistent with probability it truly is a Black Hat who intentionally needs to tip off the mastercard business corporation to a breach in secure practices - doing undesirable to make a robust element. you will possibly have the flexibility to attempt #a million or #2 by ability of working with the provider provider, #3 by ability of putting a digicam on the doorstep. i won't be able to think of of a try for #4.

Answer 5

Why are you concerned about what he is doing ? He's not going to harm your credit rating in any fashion, nor is he going to put your house into any financial jeopardy.

If any correspondence comes to your home addressed to him, simply mark it "return to sender- no such person"

The creditors involved will validate any information they require to process this man's application. The best advice for you is to MYOB.

Answer 6

Well first of all i think your wife is just wrong for letting him in the first place. I think you need to tell him to stop other wise something is going to happen. And talk to your wife why she is letting him. I'd would be pi**ed if a old girlfriend was using mine and my hubby's Addy for credit, I have been working on my own credit for years and it's hard. but i know it will pay off in the end and knowing i did it on my own would make me happy. not using someone i would feel stupid. and irresponsible. Hope i helped.

Answer 7

FIND OUT WHO HE IS OBTAINING CREDIT THROUGH AND CONTACT THEM AND JUST TELL THEM YOUR SITUATION THAT OUGHT TO CLEAR YOU OF ALL WRONG DOING.OR PERHAPS FRAUD!