Arrgg. Identity theft-sort of!

  1. Grrr. Just got off the phone from the gas co calling about a problem on my dryer line, "sure no problem mam, which address is this for?" Uh, I only have one house. The lady then proceeds to "remind" me of my 2 accounts. HUH? All the information correct to a T, except the address. It's my aunt's new home. Needless to say I'm shocked, she's more like a big sister to me.

    I'm so thankful I had to call now, otherwise I'd be reasonsible--had them send a disconnect notice to the house and the account will be closed, but if she doesn't pay what she's already used-yep, unless I press charges I'll be billed.

    I feel like a big idiot, she had my social security # since I'm her beneficiary on her 401k from her work, since she doesn't have kids--I thought it was thoughtful of her. Apparently I was too trusting of my own family. The thing is I wondering what else my name is on "out there"

    Uggh. I feel sick.
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  2. 46 Comments

  3. by   renerian
    Wow that would make me really mad. I think it is identity theft.........


    renerian
  4. by   OBNURSEHEATHER
    Scary stuff Leslie. And you're absolutely right. If she did it for some gas, you have no idea what else she did it for.

    On a related note, hubby and I were at his mom's place of business once when the mail was delivered. Imagine how shocked we were to see that some of the bills were in my hubby's name. He called everyone of them from right there and cancelled them.

    Heather
  5. by   nursedawn67
    My hubby and I applied and recieved a sears charge last spring a week after applying we applied for a Master Card through Sears (rebuilding credit). We were turned down for the MasterCard...we were told they couldn't verify our address, it had my husband living in our town and another several hours away. We recieve a copy or our credit report several weeks later...and they have the 2 addresses on it, they have my hubbys name and his "alias name" . One thing led to another I found the other man on line and we called him, that man at first was like "wow" and then got more of a wtf attitude (which was understandable), he was mad at whoever had done this. It turns out that this man and my hubbies' social security number are identical except on has a 3 and in the same spot the other has an 8. We believe someone transcribed incorrectly and well now all there stuff is blended. We have seen all this guys personal credit and he has ssen ours. I have sent several letters threatening legal actions if this is not handled immediately.
  6. by   Beach_RN
    Leslie..

    so sorry this happened to you..... that's just terrible!

    I would get a copy of your credit report and double check there isn't anything out there that you don't know about!

    Brenda
  7. by   OBNURSEHEATHER
    Originally posted by B_Matt
    I would get a copy of your credit report and double check there isn't anything out there that you don't know about!

    Ditto. I've heard that people that have problems with their credit due to identity theft have a hard time getting that off of their credit report, even though it isn't their fault. Now is the time to find out what else is there. I wouldn't take your aunt's word for it, she obviously can't be trusted.

    Heather
  8. by   Lausana
    Thanks guys I think I can do a credit check online (or at least I see lots of pop up for those!) so that will be asap.

    I think it's even more bizarre she'd do that since I'm usually juggling to pay my own bills, lol, and she's got no kids and a full time job? But she'll see the error of her ways when the heat is turned off, and whatever else I find.
  9. by   Mkue
    oh Leslie, that is aweful, can't believe someone would do that to you
  10. by   Beach_RN
    Leslie...go on MSN. money... you can join credit watch there through experian credit agency!
  11. by   PennyLane
    That's deplorable. I can't believe that happened to you by a family member.
  12. by   delirium
    Dood, she says again, I hate people.

    I can't believe this sh!t.
  13. by   CountrifiedRN
    Lausana, be sure to check all three major CRA's. (Credit Reporting Agencies) Equifax, Trans Union, and Experian. Depending on what state you live in, you may be entitled to a free report once a year, and you always get a free report if you've been turned down for credit, and usually if there is suspicion of credit fraud.

    http://www.transunion.com/index.jsp

    http://www.experian.com/consumer/index.html

    http://www.equifax.com/

    This happened to my husband when we first got married. We found out that his father was using his SS# to gain credit from a number of places. He bought a new car, had two credit cards, rented an apt, got utilities turned on, and got a cell phone. By the time we found out, some of the accounts were already in collections. They have the same name, except that his father is senior, and my husband is junior, and different birth dates.

    It was amazingly hard to straighten the whole mess out. It took over two years, and occasionally one of the accounts pops back up and we have to send in all the documentation again. Most of the companies were suspicious because the names were the same and it was a relative, even though we filed a report with the inspector general of the SS admin. Every time we called one of the companies, we were treated as if we were the criminals. The only saving grace we had was that his dad lived across the country from us, so the charges were all from that state, and my husband had work records showing that he was indeed working in our state when the accounts were opened.

    I hope nothing else has been opened in your name, I know first hand what a hassle it can be. Feel free to PM if you have any questions, I'll try to help if I can.

    It's also a good idea for anyone to check their credit reports at least once a year, even if just for mistakes. We both check ours regularly, and just last year I found an account on my credit history that was a mistake. Luckily that one was easily fixed. Good luck!
  14. by   NurseShell
    This past Spring we got a nifty letter from the IRS saying something like "According to our records you owe us $1500 that you 'forgot' to pay us" - we had paid them quite a bit already (due to an inheritance my husband received)...on the second page was the "explanation" for the increase...it showed income on my SS#!! I haven't held a paying job for 10 years (stay-at-home mom now nursing student)!!! I was furious!! It showed the name of the company I supposedly worked for with the company's address - in New Jersey!! Hello?! I'm in So Cal....do the math!!

    Anyhoo...called the IRS and was told it was my problem not theirs! WHAT?!?! I had to prove it wasn't my income?!? The lady told me to call the SS admin. and report the ID theft, etc...the SS admin lady told me to call the Federal trade commision to report it...oh and by the way the SS admin system did not show the income...big black hole in the system somewhere...

    We called the company in NJ and spoke to HR and they confirmed an employee with my SS# and some foreign name!!! UGH!! GRRRRRRRR! They denied any responsibility etc (although legally they are to VERIFY SScards of ALL employees with the SS admin.) bottom line...I filed a bunch of reports, made a ton of phone calls and got the IRS to "forgive" the "debt" since it wasn't mine in the first place - then, get this, I get a letter from law enforcement telling me that legally I can never know what is done to resolve the issue. They will not tell me if they catch the guy, or prosecute or whatever...whatever!! Meanwhile, we get to sit on pins and needles waiting for the next IRS letter since they are 2 years backlogged on sending out those letters!! SUCKS!!

    Oh...we had to put a "fraud alert" on all our credit reports which makes it a bit harder even for us to get approved...but at this point it's worth it!

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