My mom used my identity when I was only fourteen to open up a phone. I don't know the details, except what I was told, but recently I checked my credit and it had this huge two thousand dollar debt dated to when I was fourteen. It also lists me as being my mom's age, not my age (19). I disputed the age it lists me as, the debt, and places where I haven't lived. I got the results of the "investigation based on public records" and I am indeed in debt, I am my mother's age, and I have lived at those places.
What do I do? I'm at a complete loss.
2007-12-08 06:11:57 · 10 answers · asked by yokoxinfinity 1 in Business & Finance ➔ Credit
There are companies that can help you recover your identity and help you with the legal issues. I use the services provided by one of them for identity theft protection and legal consultations.
2007-12-08 11:35:45 · answer #1 · answered by Anonymous · 0⤊ 0⤋
That's a real shame that your own mom could even think of doing an identity theft on anyone... much less her own child. All credit bureau's have a dispute section. That is why we now are given a free report from each of the 3 credit bureau's each year so that we may check up on them and correct anything that is wrong. You should contact each of them and dispute the bills, the age and the places that you have supposedly lived. You will need your birth certificate as a starter to show your proof of age. Don't just leave it based on "public record investigation". You need to show them proof. You didn't mention, but do they have your moms or your own social security number listed for the bills? If it is your number, income tax forms can show your age and where you lived for the year. You also will probably have to get in contact with the companies that are showing a debt to you and prove to them that you were only 14 and could not have started these accounts. Usually to have a debt removed the company that sent it in has to show that it has been cleared and then the credit bureau will remove it. Let them know that you are disputing their bill and that it is from an identity theft. I would also get in touch with your attorney general as they can offer help or at least give you suggestions on what you have to do. What does your mom have to say about all of this? If she has any consceince she should also be working to face up to what she has done and help to correct the problem she has created. Otherwise, she could go to jail for identity theft. If you are not able to correct this, then I would say to get in touch with a lawyer. Most have a free consultation to hear your problem and will advise if it is worth pursuing in court or not. I really feel sorry for you that your mom could do this. Keep your chin up and keep at it. Don't give up and leave it because unfortunately this will affect you in many ways down the road if you leave it the way it is. Good luck to you!
2007-12-08 07:04:08 · answer #2 · answered by jspur1 2 · 0⤊ 0⤋
I'm sorry to hear your mom could do that to you. That's gotta hurt emotionally.
You shouldn't have any trouble getting this resolved because obviously at age 14, you couldn't sign legally for any credit.
You'll have to go through the process of filing an identity theft report with the police and all the credit disputes.
Here's an article that can help: http://www.youridentitysafe.com/identity-theft-resources/13how-to-report-identity-theft
Get this started immediately. Also, put a fraud alert on your credit files to prevent your mom from doing this again.
2007-12-09 08:06:35 · answer #3 · answered by Ceebee 3 · 0⤊ 0⤋
If you want the bill dropped or paid. Providing your mother is living......
If you can put up with the dram ma that may follow.. Report the incident.
If not get over it and take the loss.
2007-12-08 06:38:16 · answer #4 · answered by Linda S 6 · 0⤊ 1⤋
tell them the truth my mom did this exact thing to my sister! and she just told them what my mom did and showed them how she could of never been that age when my mom turned the phone on.
2007-12-08 06:15:58 · answer #5 · answered by veronica :) 2 · 1⤊ 0⤋
sue your mom cos she screwed you over its called identity theft don't care what she says get a lawyer and sew her for 4 thousand double the price and lawyers cost alot so you'll need the double amt of money
2007-12-08 06:15:45 · answer #6 · answered by Anonymous · 0⤊ 1⤋
sorry to say you prosecute your mom or live with it
that is why banks want the fam member to cal lthe cops on these cases and never happesn business does not want the hit and the family member is screwed.
sorry cannot win this one
2007-12-08 07:14:04 · answer #7 · answered by Michael M 7 · 0⤊ 0⤋
Contact your state attorney general. They will be able to point you in the right direction.
Good luck.
2007-12-08 06:15:13 · answer #8 · answered by snoopy 5 · 0⤊ 0⤋
I don't understand the results. Protest it again and show proof -- your birth certificate.
2007-12-08 06:15:35 · answer #9 · answered by marie 7 · 1⤊ 0⤋
I agree with getting a lawyer. Your momma had no right to do that to you!
2007-12-08 06:23:17 · answer #10 · answered by Tigger 7 · 0⤊ 1⤋