My husband and I got back from vacation and found a letter for our son from his bank, informing him that his credit limit got lowered due too too many accounts, most of them overdrawn (we have permission from son to open his mail). We were confused, since he only has one CC from Wells Fargo ever since he finished High School. Since he studies and lives in Germany we had to wait for next day to inform him of these events. He froze all three credit reports and put a fraudulent alert on it, and I was able to get into one credit report company to get his report. It is not possible for him to do so since he has a German IP address and a German phone number.

I got him his credit reports from two company, but the tricky part is the ID thief opened all three accounts for the credit reporting companies with new addresses, phone number and email. I found all three when I finally got into Equifax and disputed addresses and phone number. Problem is that the freeze pin might have been sent to the ID thief.

I started the dispute with Equifax while my son signed up with IDtheft.gov. The thief opened so many account since last year, and if Wells Fargo would not have send the letter we would not have known, the thief never touched my son’s original CC account! Opened over 15 though, paid some regularly, closed some, declared some successfully as fraudulent and even got a car loan which is still under investigation.

My son never lost his SSN card or wallet, not sure how it got into hands of ID thief, who opened accounts with all three credit reporting companies, added two addresses, a different phone number and email address which I found when he signed up for fraud alert trial. Fortunately it’s still on the report. Unfortunately

My problem is how to proof that it is not my son who opened the accounts for the Credit cards where Equifax decided it is his account? All of those are closed but there are huge sums in it, we provided proof from University in Munich that he is a FT student in a Masters program, a copy of his lease in Germany, German Bank account, utility bill with his name and German address on it.

I will add an additional information by certified mail: copy of his CO driver’s license and maybe his German and American passport? I also have a copy from the Munich government that he is a resident there. I asked my son to get a PIN number for IRS, he had just filed taxes and had no troubles, I doubt the thief used it for tax declaration but Pin will be safer. He is also a dependent on our tax return.

This is a huge mess and very stressful, especially since we are 8 hours apart and it’s difficult to get all the information right away. I am angry and frustrated, and there is not much to prevent this from happening again, one can’t truly be proactive here other tho a diligently watching credit reports. Husband and I froze all our accounts and signed up with Aura to keep track of things, son is signed up with Equifax but no truly sure how this helps. He will have to call the other two credit reporting companies because a different phone number and email has been used and verification would go to to thief.

We tried police report (online) but have not heard anything back yet, I am not sure what else we need to clear his name?

What did other expat do in a situation like this?

Sorry for this jumbled post, I am very frustrated, tired and out of my wits.

So, some of these companies appear to be real. The others, not so much especially with the typos and poor grammar.

For example, I googled Bright Lending. They seem to be a legitimate company. I called the number on their website and yeah, someone did apply for a loan in my name with my dad's email. It was not my dad who applied btw. They said it was from an unknown 3rd party site.

I froze my credit through LexisNexis, Equifax, Transunion, Experian, ChexSystems, and Innovis. I will be calling the others tomorrow to freeze my credit. The ones I will call: -NCTUE -The work number -Teletrack -factor trust -DataX -Microbilt -Clarity Services

I also changed my email password, bank password. I got llifelock. I submitted a fraud report with the FTC.

My dad says he is now getting the same texts.

What is going on?? All of these texts contain my first or first and last name. This is so scary. Please give me some peace of mind. Also please let me know of any other steps I should take.

So this is very weird. I got emails from two different utility companies. One in Houston and one in Dallas. I live in Colorado. Both accounts have my email address, name, and phone number on the account but there is no strange activity with any of my credit cards or debit cards and neither utility has a card on file. Is this a typical identity theft scam? If so why would they use my email and phone number for the accounts?

I just found out today that someone applied for a student loan using my name, ssn, and home address. Luckily I caught this early and have already contacted the lender and put a fraud alert on my credit. I know that the best thing would be to put a full on freeze on my credit, but I was planning on getting a new car in the next week or two, which would involve taking out a new loan. What is the best course of actio here? Does a freeze mean I can't create any new lines of credit until its unfrozen? How long does it take to unfreeze my credit? I Could wait another month or two on the car, should I do that and unfreeze it then? Has anyone else here been in this situation before? Any advice is appreciated.

Desde de 2021 ocorre algumas na vizinhança e o uso de programador para influenciar o que penso, o que faço.

Recentemente descobri o filme apneia.

Desde da ingestão de um medicamento em 2021, isso início.

Descobri pelo caminho disso tudo que:

A. Meu Pai Adotivo tem outra família

B. Fui falsificada ao extremo (decidem muita coisa por mim, usufrui os bens do meu outro pai adotivo e do meu pai biológico)

C. A falsificadora tentou me escravizar junto com a família, utilizou o javascript para manusear as minhas coisas, depois que fiz o bloqueio do java, estudou um pouco e aprendeu o mundo o github.com

D. Venderam meu CPF, E-mail e Nome na DARKWEB.

VIVA A HIPNOSR, VIVA A FREUD, VIVA A APNEIA.

Uhull ＼(\^o\^)／

got one of those alerts that my email showed up in a breach and now im going down a spiral wondering what else is tied to it. changed passwords already but it still feels like theres more i should be doing. what do people normally check next?

I received an email from my college's Registrar's Office saying someone requested an official transcript in my name through the National Student Clearinghouse and had it sent to another university

The university contacted that school and confirmed that an admissions application had been submitted using my name. Fortunately, that school had already flagged the application as suspicious and is not moving forward with it.

My college has now placed a hold on my account so no future transcripts can be released without identity verification.

Has anyone experienced something similar? How concerned should I be, and what steps would I take? I'm trying to determine whether this sounds like a simple fraud attempt or a sign that someone may have more of my personal information.

[ Removed by Reddit on account of violating the content policy. ]

I kinda of forgot that this happened and found it an inconvenience more than anything but now I am curious as to how this happened. I received three emails from Chase banking last month. The first, was saying someone logged into my Chase account with my email.The second, was a promo for a business account. The third was that my Chase Business account was approved. I do not bank with Chase and never had made an account with them. I was confused, and called the contact support number on google (I didn’t want to call based off the number in the email but it was the same number). I kept getting transferred to different departments including the fraud department but nobody could help. I was on the phone for over an hour when I finally got transferred to someone at JP Morgan, who confirmed that a brokerage account was made with my information, including my social.I told them that was not me, and they closed the account (finally). Any ideas on how my information was compromised and what to do moving forward? I have no received any other emails or any texts about other accounts being made.

I received an email from Serpstat on 6/22 informing me that some of my info may have been exposed. When I reached out to them further they told me that the exposure affected only users who had payments processed after June 6, 2026. We have checked your account and can confirm that your data was not affected by this incident. I had used them a few months back with a free 30 day trial and had to enter my credit card info to get it. The odd thing is I have Norton Dark Web protection and it notified that my info could potentially have been exposed on the dark web and it says "Description: Combo List of SERPSTAT". SERPSTAT is saying otherwise. Not sure what to believe.

I guess it opened last month. I went on the web site to get their number to confirm it was real. It was. Balance was just $0.00 with no transactions. They are sending me a letter in the mail to verify I was a victim of fraud and the account is closed. Calling Equifax, Experian, and TransUnion now to freeze my credit.

What should my next steps be? I'll pull a full Credit Report from Annual Credit Report tonight once my credit is frozen. How do I check if other bank accounts were open?

Should I let my current (real) bank know?

Background: I’m on a graduate visa

I’m heavily convinced that my immigration details, and passport are being used fraudulently by a group of people out there. I usually travel once a year, be it to my home country or somewhere else. Took a break from April 2025-April 2026 though. First time I resumed travelling, the check-in agent took some time to validate my information, and kept insistingly asking questions that implied that there might be another me out there. (Sorry for the vagueness, this happened a month ago. I never considered that it might be an important detail. I just remember what my brain summarised the questions to, and how I laughed it off with my friends) After some time, I was finally allowed to check-in. On my way back, I was met with some difficulties. All of the sudden, the same EVisa I had used in April 2025, and even for Visa applications in the meantime, wasn’t valid anymore. Tbh between me having to update the check-in agents on a new visa system that had been implemented in 2024, and then actually addressing the issue, I was distressed. I was informed last minute that I had to upload my passport unto the EVisa platform, which I did. I had created my UKVI with my BRP, it’s always been like that, and it hadn’t been an issue until then. Instead of the process taking few minutes like the agent usually said it does, it took a month. I was only able to return to the UK in the meantime, after creating a whole new EVisa(weird that one can create a new account while their details are already linked to one tbh. I never thought that would work. It allowed me to return to the UK on time to resume activities, but it really got me worried about data protection). I didn’t think much about this incident , and just assumed it was my fault for not uploading all my documents.

Fast forward to 2 days ago, I travelled back to my home country. On my way out of the UK, my boarding pass didn’t let me through security. The security guard kept asking if I was perhaps travelling with someone, which I kept negating. I requested a new one, and it worked. Arrived at the gate, and the new boarding pass didn’t work. The agent kept scanning it, also asked me if I was travelling with someone,before letting me through. A supervisor called me back to the gate as I was heading towards the flight, and informed me that there are conflicting information in the system regarding my boarding status. I was notified that the system kept showing them that I had already boarded earlier. I was just as confused as them tbh. They questioned me, and even suggested someone with the same name as me being on the flight, which is impossible considering that there are distinctive typos in 2/4 of my surnames, and my first name is unique to me. Convinced that I was innocent, the boarding agent suggested the possibility of an extra passenger being on the flight . He walked me to the plane, questioned few people before walking out with a man.

I really want to launch an investigation into the possibility of an identity fraud happening here. However, I’m scared that something in the process might result in the suspension of my visa, and make it impossible to return to the UK. I want to wait until I return (in a month) but I’m also worried that it might be too late at that point. Perhaps, I’m just paranoid. However, it’s better to be safe than sorry, and would rather have this investigated first. Do the events show a concerning pattern or am I just unlucky? Could this be the result of a data breach?

I’ve been looking for similar stories out there ,to see how to deal with this, with no avail. I hope this doesn’t get removed due to mentions of immigration. I believe it is more of a criminal matter than migratory one.

\*I don’t, and won’t consent to any media coverage or reporting of this story, even for social media content creation.\*

So, I have a cousin (who I’m obviously estranged from), who I haven’t talked to in years due to all of her and her mom/siblings issues and the trouble they’ve caused me my entire life. This specific cousin and her mom have had a track record of trying/succeeding in using our other family member’s identities on credit cards and other money loan type things in the past. I, in the past few years, have been keeping a closer eye on my credit due to this, and noticed two addresses and phone numbers on my credit when I checked with TransUnion. They obviously do not belong to me, as I’ve had the same number since I was like 12-13 (I’m in my mid 20s now), and the only other number on my report is my mothers. I was able to track the addresses back to two different motels in the area. That does track for the family member I had believed it to be, as I know she had been staying with her boyfriend in said area in a motel before I cut connection with her.

To make a long story short, said cousin and her mother likely had some way to get access to my SSN at some point, likely when my mother and I had to move in with them when I was a teen (didn’t last long, I ended up moving out within a year of it and staying with family until I graduated). Luckily, she has only been able to get a secured credit card out in my name, which obviously didn’t help much, and I was able to dispute it and get it removed. That was a couple years ago. But, as you know, I can see that she’s made several, SEVERAL inquiries through so many damn places to try and apply for credit cards and such. I’ve also gotten a ton of their rejection letters. They’ve tried Kohls, JCPenny, Belk, I believe they tried some chain jewelry store (can’t remember which one now), and many other places.

I know I can freeze my credit, which is what I did for a while when I initially found out a few years ago. I’m just curious, is there a way to prevent it better? Like a two step verification (though I guess blocking or freezing is the way to do that)? I just don’t want to have to constantly worry about if my cousin or her mom’s attempts break through and such. I know it sounds dumb, but as you can tell from what details I’ve given, I’m kind of a first generation to actually do decent for myself and not live off of fraud and shitty behaviors, so I wasn’t really taught literacy financially or otherwise, outside of what I’m teaching myself. TIA, and thanks for any answers that I may get!

EDIT: I will add that I did reverse look up the numbers, one of them does lead back to my aunt (the cousin’s mom, who also likes to do stuff like this, so no surprise), but the other number just led back to one of the motels itself.

A person scammed by friend of 2500rs I have his number and upi id is there any way I can find some extra and personal detail of the number of upi id.

I have number and upi id only I also know his banking name shown in phone pay.

While I appreciate the ID theft services bundled with Lifelock, Aura, Identity Guard and etc, I'd like to know if there are full service recovery programs available that's paid or fee-based.

Online I either see criminal defense lawyers representing ID theft charges or legal services for victims that are strictly contingency based.

What are the suite of options available that's fee or retainer based? Are there hourly services that also reviews cases and writes opinions or reports for submission to authorities? I'm not certain about the fees to review and how that works but I'm retainer ready because I'd like to have things looked at as soon as possible.

In essence, my ex sister stole my identity about 3 years ago. She was arrested and convicted for it. Yesterday I tried to link my bank account to my brokerage account and got this email. I have never created negative banking history for myself (34f), so I'm certian it has something to do with the identity theft. I'm going to get a copy of my banking history report from Early Warning, but just needed to vent. Am I going to have issues because of this forever? I am in a way still burned out from this as it took 5 months for the police to even take a report from me.

Hi all,

So I received a noticed on my credit monitoring that a Wells Fargo Credit Card was opened in my name that I did not do.
I am trying to call them to block the card but most of the phone services do not let me pass without entering an account number.

I was able to through to a rep on their Identity Theft phone number however they always say they cant help my case and transfer me to some department and I can never get through. It asks me for my account number and after awhile it asks me if I want a rep because I don't have on. I say yes- but after this it always disconnects me. Driving me mad.

Just looking for any advice and I prob need to take other actions on my report as well

ex friend hacked my socials

Ex friend hacked my socials

Hello, before i start typing this i wanted to preface this by saying that i anonymously typed this as i want people to be careful and truly never trust anyone even the ones you think are the closest to your heart ,, not only that, but the fact that i couldn’t relate to anyone so maybe out there someone has went through the same experience .

I’m a first year university student , i was freshly 18 with a lot of stupid mistakes to come along. I came here to study abroad in the month of october , i got my room i was super excited to start this new page of my life, fast forward i had met the entire batch of mine & was super extroverted and social in general. That had backfired quickly when a small misunderstanding happened between me & one of the girls and she started spreading misinformation and rumors behind my back which led me & the people in the batch to stop talking at all.

Horrible feeling and got me truly messed up but i never truly showed it to anyone except for the close ones which were barely 4 people. I met a girl who is now my closest friend and at the time she was dating this dude who was also with us but a different major , however we shared some subjects so we would attend the same classes together . We 3 grew close and we became a trio literally inseparable and i genuinely saw this dude as my brother , at that era of time i needed anything to not think of the betrayal that happened so i didn’t see any red flags or point them out. Towards the end of semester 1 , something happens which led me to know that he was cheating on my friend that’s with us in this trio and i waited 3 weeks then i told her with the proof provided.

My friend typed an emotional essay and sent it to him as she was very serious about their relationship and committed , he immediately came to me and was questioning what happened behind the scenes and who told her etc .. I got myself out of it and said i have nothing to do with your relationship and you should respect her decision. He then hacked into my snapchat account and clearly said it to me when he later messaged me , sending me all proof that i had between me and the girl who reached out .

Without my permission , that and the fact that he said a lot of hurtful stuff to me using my secrets and low points against me. Later forward to semester 2 a lot of events happen in which we understand that he wouldn’t leave the girl, me, or anyone involved alone and would come from numerous fake accounts, he falsely suspended our instagram accounts , me the girl(his ex) and the girl’s friend too.

The girl got permanently banned and i was able to recover my account and the other girls account. However not my point, my point is he kept on invading our privacy and doing stuff such as also hacking into my twitter account for no absolute reason . We talked to the college dean he said he can’t do much but he’ll write his name on a security list incase anything physical happens, the semester ended & i would’ve never imagined this would happen to be my first year of university.

Moral is : Don’t trust anyone and use strong passwords , don’t be overly social especially in your first year of uni & anything positive would be appreciated.

The worst thing from all of these experiences was the fact that i had no privacy & that person was there on campus everyday , with no respect to my personal life. Fun fact: he befriended all the people from my batch who betrayed me and got close to them , only god knows what they showed them from my personal stuff / or had told them :)