Cell Phones and Student Loans and Civil Judgements, Oh My!

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September 1, 2004

I recently discovered that I have been a victim of ID theft for quite some time. I cannot believe that it has not come to my attention sooner. I received a phone call from Qwest wireless' fraud department. They informed me that somone has been using my Social Security number (SSN)l, but could not verify my city/zip and date of birth. He suggested that I file a fraud alert with the Credit Reporting Agencies (CRAs) and get a copy of my credit report. I have done so, and they arrived Saturday.

The person has been using different permutations of my name and has several civil judgements against me, several cell phone debts, a student loan, and numerous leases that he has skipped out on. I am about to make a phone call to my local police to file a report, I have contacted the cell phone companies to notify them of my dispute, and don't know where to start. I have been told by a agent from the student loan company that I should go to a CRA and file paperwork on EACH line of my credit report disputing the bad info. I plan on doing that probably Friday. Where should I go from here? How do I make him stop using my info? Can I change my S.S.N.?? HELP!!!




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