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Author Topic: Identity Theft Nightmare  (Read 450 times)

Offline republic

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Identity Theft Nightmare
« on: January 29, 2008, 04:11:04 PM »
I've had the worst luck...maybe my SSN is just easy to guess I dunno...

I filled out for a student loan last year to find my SSN was tied to someone who had defaulted on their student loan.....when I was 8 years old.  Ok, a typo perhaps, after an ulcer, I got that straightened out.

Now I call to check on my state tax refund to find someone who has a felony on record has used my SSN...a felony committed when I was 14 years old.  What is the deal?

How is it criminals can just do this at random?  Do organizations not check to make sure the SSN given matches their freaking name?  Can I just babble out some numbers and everything will be ok?  Apparently so...

I'm so mad I could spit...  I now have to mail every identifying thing I have to some court clerk to prove that I am me.  I'm being punished while this idiot felon is out scott free.  Just the idea makes me paranoid.  Will my federal return get screwed up?  Will I be put on a no fly list?

How can this happen?  Why are there no safeguards?
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Offline AWMac

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« Reply #1 on: January 29, 2008, 04:17:01 PM »
This guy Scott Free... try checking the DMV and see if he got a Lic under your SSN.

Get a Credit Report and check it... Really screw up Scott Free and declare yourself Legally Dead.

There's more to this story.
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Offline republic

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« Reply #2 on: January 29, 2008, 04:21:03 PM »
Quote
Originally posted by AWMac
This guy Scott Free... try checking the DMV and see if he got a Lic under your SSN.

Get a Credit Report and check it... Really screw up Scott Free and declare yourself Legally Dead.

There's more to this story.


I have all that credit identity theft protection stuff, and nothing else has shown up.  I dunno if this is a coincidence, bad luck, or what.  The stupid student loan company refused to give me the name of the person using my SSN...apparently he has more rights than me.

The county clerk gave me the name of the guy using my SSN who has a felony, but doesn't really help...apparently there's a warrant for his arrest...which scares me even more.  When I get a traffic ticket am I gonna be hauled down to the pokey?  lol

Un-freakin-believable....

BTW, I live in Oklahoma too Mac so watch out...you may be next  :noid
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Offline Ripsnort

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Re: Identity Theft Nightmare
« Reply #3 on: January 29, 2008, 04:21:36 PM »
Quote
Originally posted by republic

How can this happen?  Why are there no safeguards?
Because the Chairboy types would scream bloody murder. ;)
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Offline Shamus

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« Reply #4 on: January 29, 2008, 04:33:00 PM »
Quote
Originally posted by AWMac



There's more to this story.


Yes there is.

It is fairly simple to follow the fraud, more difficult to correct it with the credit companies, they are in business to sell info not be accurate, and in their defense, they talk to good liers all day long.

You do have to start with the court though to prove that he aint you :)

Be sure and carry the judicial finding with you in case Mr. felon has caused warrants to be issued in your name, it helps most of the time.

shamus
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Offline Gunthr

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Identity Theft Nightmare
« Reply #5 on: January 29, 2008, 06:20:05 PM »
Republic, its fairly common to find soc sec numbers tagged to multiple identities with different DOBs and states of issue.  It doesn't necessarily indicate fraud - in fact, most often it doesn't.  This can happen due to scrivener's errors, transposed numbers, sloppy handwriting, similar names, etc, over time.  You can usually overcome resulting identification problems with other corroborating forms of identification.
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Offline REP0MAN

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« Reply #6 on: January 29, 2008, 09:53:28 PM »
I would look into the utility companies in the areas that, 1. You live in, 2. The felon lives in, and, 3. the unknown other person lives in. Call around and give them your SSN. Ask to chat about any account in your SSN. If they wont disclose, ask for their fraud dept. and get yourself a decent attourney.

I find it rather odd that there has been student loans issued in your SSN but nothing on your credit report. Did this person get the loan, pay the loan and it's dropped off? Student loans are federally backed (in most cases). Fraud on a Federally backed student loan would mean some serious time in the Country Club.

Another perplexing situation; why would the Oklahoma Tax Commission notify you of a warrant in your SSN? The State of Oklahoma is NOT known for its inter-agency communication, in fact, far opposite. I spent many years as a police officer in this state, I may be able to assist with the warrant information, should it be valid information.

:aok
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Apparently, one in five people in the world are Chinese. And there are five people in my family, so it must be one of them. It's either my mum or my dad. Or my older brother, Colin. Or my younger brother, Ho-Chan-Chu. But I think it's Colin. - Tim Vine.

Offline republic

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« Reply #7 on: January 29, 2008, 10:02:54 PM »
Quote
Originally posted by REP0MAN

I find it rather odd that there has been student loans issued in your SSN but nothing on your credit report. Did this person get the loan, pay the loan and it's dropped off? Student loans are federally backed (in most cases). Fraud on a Federally backed student loan would mean some serious time in the Country Club.


Well apparently it was only my ssn, the name address everything was different.  It's not on my credit report anywhere from any of the agencies.  After I proved who I was it just went away.

Quote
Originally posted by REP0MAN

Another perplexing situation; why would the Oklahoma Tax Commission notify you of a warrant in your SSN? The State of Oklahoma is NOT known for its inter-agency communication, in fact, far opposite. I spent many years as a police officer in this state, I may be able to assist with the warrant information, should it be valid information.

:aok


Well the tax commission told me I couldn't have my refund because I owed because of a felony charge.  The court clerk's office then told me there was a warrant out for the guy using my SSN.  She said if I mailed all my information she'd release my tax refund but she said until he was brought in and they had a valid SSN I would have to do this every year...  They almost seemed as if this was somewhat common...or maybe they just didn't care.

The felony was committed when I was 15, the guy isn't using my name, and I don't think we are even the same race lol  So I should be ok but...it really is just very frustrating.  Maybe he just gave them a random number or maybe it was a typo in a clerk's office somewhere...who knows...

I've got prepaid legal, and I'll be calling them in the morning.  It really is ridiculous.  I've also drafted a letter to the governors office....for whatever good that will do.  I also plan to write my other state representatives, just to try and get my SSN separated from this guy.

The student loan was irritating, the felony stuff is down right terrifying.
« Last Edit: January 29, 2008, 10:06:41 PM by republic »
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Offline REP0MAN

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« Reply #8 on: January 29, 2008, 10:33:54 PM »
I wouldn't worry too much about the felony stuff. If your name is not attached to the warrant, you are safe. Most LEO's run warrant information by Name, DOB and OLN; not SSN.

Another thing to note; The IRS has an office called FMS (Financial Management System, or something like that). Their existence in life is to divert Federal payments for one of three reasons: Owed Federal Funds other than taxes - Default student loans, owed State Taxes and Back child support. I will say that if this person who used your SSN had defaulted on those loans, it is likely your Federal refund will be diverted to cover such funds. Now, you say this happened when you were 8. Unless you're 9, this would have caught up with you in any past Federal refunds previously. I think you're safe based on the information you've given.

:aok
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Apparently, one in five people in the world are Chinese. And there are five people in my family, so it must be one of them. It's either my mum or my dad. Or my older brother, Colin. Or my younger brother, Ho-Chan-Chu. But I think it's Colin. - Tim Vine.

Offline republic

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Identity Theft Nightmare
« Reply #9 on: January 29, 2008, 10:43:16 PM »
Quote
Originally posted by REP0MAN
INow, you say this happened when you were 8. Unless you're 9, this would have caught up with you in any past Federal refunds previously. I think you're safe based on the information you've given.

:aok


hehe, I'm 26 now.  I'm glad you told me about that FMS, just in case something does go awry.  I think it'll turn out ok, it's just very frustrating when you cant get anyone to do anything.  You call and they act as if you are the perpetrator...

I have a record of like...1 speeding ticket lol  When she said i had a felony I laughed, I thought she was joking.

I simply do not understand how my SSN got tied to this, when our names don't match, our birth ates don't match, our addresses don't match, and I believe that our race doesn't even match....  The only commonality is that we are both male, and reside in Oklahoma.  :confused:
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Offline Holden McGroin

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Re: Identity Theft Nightmare
« Reply #10 on: January 29, 2008, 10:51:05 PM »
Quote
Originally posted by republic
I've had the worst luck...maybe my SSN is just easy to guess I dunno...

I filled out for a student loan last year to find my SSN was tied to someone who had defaulted on their student loan.....when I was 8 years old.


Sorry... I only did it that one time, and I promise to never do it again.

To make it up to you, send me your banking iniformation and my Nigerian connection will transfer 14,000,000 euro into your account.
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Offline republic

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Re: Re: Identity Theft Nightmare
« Reply #11 on: January 29, 2008, 10:57:03 PM »
Quote
Originally posted by Holden McGroin
Sorry... I only did it that one time, and I promise to never do it again.

To make it up to you, send me your banking iniformation and my Nigerian connection will transfer 14,000,000 euro into your account.


:rofl
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Offline BlueJ1

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« Reply #12 on: January 29, 2008, 10:58:30 PM »
Dont join the military. You SSN is EVERYWHERE. On hundreds of pieces of paper.
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Offline Thruster

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« Reply #13 on: January 30, 2008, 06:07:32 AM »
" Fraud on a Federally backed student loan would mean some serious time in the Country Club."

WRONG

I can tell you that, unlike private sector lenders, the Fed won't bother to investigate fraudulent student loans unless some one well connected gets stung. What will happen is they will steal any funds owed to you and compel you to file suit to clear your name. The Fed is not bound by their own Truth in Lending, Fair Debt Collection or due diligence guidelines because as a guaranty agency they are not the ones actually extending the loan, just collecting if it defaults. Much like a private collection agency, their only directive is to secure repayment. There is no requirement to verify the accuracy of the loan documentation.
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Offline LePaul

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« Reply #14 on: January 30, 2008, 08:47:57 AM »
I remember a few years ago my ex-girlfriend getting paperwork for not paying child support on her 1 year old African American baby in California.  It took her weeks to find out her SSN had been hacked and clean it all up.

But its still funny to raz her for not paying child support  :D
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