Someone stole my identity and ruined my credit?

Question

There is one credit card from a bank and others from stores that I've never been in! These stores will not give me any information on the paperwork filled out to obtain the credit card, where the credit card was sent to or even the store location that they went to. I've contacted customer service, fraud dept... you name it. NO ONE IS HELPING!

Is the ONLY possible way to get this information to sue them?

I AM SO MAD! AHHHHHHH!

Answer 1

Hopefully you filed a police report and contacted the credit card company so you are not responsible for it.

Sadly, most of the time, the credit card companies don't care about fraud and do very little about it.  They right it off as a "cost of doing business" and pass the costs onto you, the consumer.

Who do you want to sue?  The credit card company that was the victim of the fraud?  That won't go very far and I'm not sure what it will accomplish.  Under Federal law, you are not responsible for the fraudulently obtained credit cards.

Answer 2

you will need to contact the credit bureau to file identity theft. they wiil be able to assist you in handling the credit card companies to research and close those accounts.  you may also have to get a new social security number. even if you were able to get the card companies to close those accounts and fix everything the thieves can just reopen more cards, buy a car, etc... somewhere else with your social

Answer 3

You need to pull all three credit reports immediately and dispute the living daylights out of all of them.

You need to report it to the police.  The paper trail here will help and show you're serious.

You need to put a fraud alert on all three reports, and freeze your reports as well.

These are first steps.

Next, call the credit cards and have them do a charge back on each charge.  The store where merchandise was purchased must product a signed receipt.  If they can't, you get the money back on the card.

Ask for proof that you signed, how they came to identify the person who applied (drivers license, passport, etc)

Tell the card company you wish to close the account.

Read up on it too:

http://www.uscg.mil/Legal/la/topics/cons...

Answer 4

contact an attorney