What do I do after someone uses my SSN for himself?
November 5, 2010 12:39 PM Subscribe
Someone in another state used my SSN to open credit in his name (not my name or address). Then this guy skipped out on the bills. Now the bank has tried to garnish my wages at my job by via my SSN. My job told the bank to get lost, basically, since I'm not the guy in question. Still, there's this matter of my SSN being used by this guy. I've checked my credit reports and there's nothing there that shouldn't be and I've placed fraud alerts with the three credit reporting agencies. What should I do next?
posted by anonymous to Law & Government (6 answers total) 12 users marked this as a favorite
Here's the long version: two days ago my job's HR department alerted me that they'd received a request to garnish my wages from Large Credit Card-Issuing Bank. The writ had my SSN, but not my name and address on it. It's not my debt. The HR department responded to the bank with a letter explaining that I'm not the guy they're looking for, my SSN shouldn't be there, and that we won't be doing any garnishing. Moreover, they told the bank to take my SSN off of this guy's file. HR sent me copies of the writ and HR's reply. I have the guy's name and address (assuming it's correct, too).
I checked my credit reports and they're all accurate. No unexpected accounts or attempts at unexpected accounts. I placed a fraud alert with all three monitoring agencies. Now I'm not sure what else to do.
As an aside, I've been receiving phone calls from zombie debt collectors for months at my home number looking for people who are not me or, in one case, a guy with the same name as me except for a different middle name, birthday, and SSN. I keep telling these collectors that I'm not the guy they want, but they keep calling. Most of the time it's automated messages that follow-up with no way to get off of their database. I'd assumed these were just zombie robo calls, but now I'm wondering if this is all connected somehow.
I should note that I'm not missing any money, have received no unusual bills, and have not experienced unexpected charges to my credit cards. Everything on my end of things seems to be normal.
So where do I go from here? If someone is using my SSN or other information for nefarious things, I obviously want to shut him down. What else can I do?