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From the Experts at

How Do I Get Rid of Fraudulent Accounts Opened in My Name?

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How Do I Get Rid of Fraudulent Accounts Opened in My Name?

If an imposter has opened fraudulent credit accounts in your name, you will want to act fast to protect your identity and your credit record.

First, to deter thieves from opening more accounts in your name, place an initial 90-day fraud alert on your credit file. Call one of the three major credit reporting agencies, Experian, Equifax or TransUnion and inform them that a thief has compromised your credit accounts.

The credit reporting agency that you contact will contact the other credit reporting agencies and notify them of the fraud alert.

Once the fraud alert is in place, it tells lenders to take extra steps to verify that you are the one who is seeking the request for new credit.

It also entitles you to receive a free copy of your credit report from each of the three major credit reporting agencies. Review your credit reports carefully. And make note of every account that you do not recognize as your own.

File a Report

The Federal Trade Commission recommends filing a complaint with them, then printing a copy of the report and using that to file a police report with your local law enforcement.

The FTC calls that an identity theft affidavit, and says it can be a helpful document to use when you’re dealing with the companies where the fraudulent accounts were opened, as well as the credit reporting agencies.

Dispute Those Accounts

Next, contact the financial companies where a thief has opened fraudulent accounts in your name.  Speak to the fraud department, and inform them that you are a victim of identity theft. Follow up the phone call with a letter, sent certified mail with a return receipt. Keep a copy of the letter and the receipt for your files. You may be required to submit more than the identity theft affidavit; the lender will tell you what information you need to supply for this process.

Send a dispute letter to each of the credit reporting agencies informing them of the fraudulent accounts opened in your name. Request that the fraudulent accounts be removed from your credit file.

It is a good idea to send this letter by certified mail with a return receipt as well. Keep a copy of the letter and the receipt for your records.

In most instances, a credit reporting agency will investigate your complaint within 30 days.

Each credit report agency will forward information about the identity theft to the financial companies reporting the fraudulent accounts opened by the thief.

And once the financial company receives the notice from the credit reporting agency, it must investigate and report back to the credit reporting agency.

After an investigation is complete, a credit reporting agency must send you the results in writing.  And you will be notified if the fraudulent accounts have been removed from your credit report.

It may take a while to clean up your credit file once an identity thief strikes, and you may wish to place a second 90-day fraud alert on your credit file as you go through the removal process for each fraudulent account on your credit report.

Check Your Credit

One way to find out if there are fraudulent accounts in your name is to check your credit reports regularly. Pull your credit reports (you’re entitled to a free credit report from each of the three major credit reporting agencies once a year), then check the accounts to see that all listed belong to you.  If you see an account (or accounts) that do not belong to you, then it’s time to get to work on shoring up your credit and identity.

Monitoring your credit scores can also be a good way to catch identity fraud. If you monitor your scores regularly and you notice a large, unexpected change, it’s time to pull your credit reports. You can monitor your credit scores for free through, where you can also get an overview of what’s in your credit reports, to help you know where you stand.

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  • Virginia Ott Folsom

    What happens if someone is using their name, but my SSN? Will their credit history get tangled with my credit history?

  • tara singh

    how about is someone used 2 names in the house ssn and credit cards being sent to my house? american express has 8000 used and we don’t have that card. Our address and everything they used, but we never got any mail from american express.

    • Gerri Detweiler

      Make sure you take steps to dispute them and consider placing a fraud alert or freeze on your credit reports.

  • Craig Hiler

    Twice in the last two months, fraudulent charges were attempted against our account. The first was through our credit card, the second against our,ATM/Debit card. Just yesterday I received 2 phone calls and a text message telling me that my auto loan application was approved. I havent applied for any loan is many years. I’m concerned there are oyher, on-going attempts to access my credit. What can/should I do?
    Thank you,

    • Credit Experts

      Craig —
      Do you have fraud alerts with the credit reporting bureaus? They won’t prevent you from getting credit, but they will ensure that the application is flagged for additional scrutiny. And if you are certain you will not need to apply for new credit in the near future, you could consider a credit freeze. You’ll find more information here:
      What’s a Credit Freeze?

  • Stacie Moss

    How do I find out what debt has fallen off my credit report due to the 7 year mark? My mother (horrible person!) took credit cards out in my name when I was 15-17 years old. I have a judgement against me and have been fighting garnishment from one of them for the last couple of years and finally have decided to file bankruptcy because it is past the statue of limitations for actually dealing with the fact that I was not the one who took out this debt. Long story short, she took out other things than the credit card I know about and since it is past the 7 years majority of it has fallen off my credit report and I need to know what debts there are to include them in my bankruptcy. Since they aren’t my debts, and nothing was being sent to me, but instead sent to her address, I do not have anything showing who or what I owe. I was served papers for this judgement when I was 18 years old and of course I was young and unaware of the consequences of not dealing with it and now it is pretty much biting me in the butt trying to fix it. But I don’t have anything else in paper form, creditors names/companies, etc. Does anyone know how I can obtain these debts? Thank you so much for your time.

    • Gerri Detweiler

      There is no central registry of unpaid debts beyond credit reports that I’m aware of. Have you discussed this with your bankruptcy attorney to get their advice?

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