Identity theft! Someone took a mortgage loan in my name? Pls help..?

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I just went to the bank to buy my first home and I was disqualified because someone used my identity to get a mortgage loan for 300k in 2006. I had no idea that my identity was stolen and. My bank told me to call the creditor which is onother bank with only 2 branches left in another state…. I went to the police and they didn seem like the will do anything for me.. Please tell me where to go to report this? Which agency to call, and how to get my life out of this mess?

7 Comments
  1. Reply
    anonymous
    May 4, 2011 at 3:10 am

    have you called the bank like they said?

  2. Reply
    Iffy
    May 4, 2011 at 3:58 am

    You call the three Credit Reporting Agencies, the bank holding the mortgage
    Then file a complaint with your County District Attorney

  3. Reply
    CatDad
    May 4, 2011 at 4:43 am

    Before you start contacting bank, do your own investigation first. If this is ID theft, then chances are fairly high that the person who did this is a relative.
    Start by pulling your credit report. You can get a free credit report at http://www.annualcreditreport.com – This is the real free site to get your credit report once a year without a credit card. If you see accounts that were opened that you did not authorize, then you’re going to have to file police reports and forward those to all 3 credit bureaus.

    Here’s a great article for the exact steps to take for ID theft: http://www.privacyrights.org/fs/fs17a.htm

    If a relative did this, you’ll have no choice but to file police reports to clear your credit rating. http://www.idtheftmostwanted.org/artman2/publish/v_fact_sheets/Fact_Sheet_115_When_you_personallyknow_the_identity_thief.shtml

    This is a good example of why it’s so important for everybody to check their credit report at least once a year so that you won’t get unpleasant surprises like this.

  4. Reply
    timothy p
    May 4, 2011 at 4:55 am

    The bank that issued the loan would have a pretty big incentive to sort this out. Did you contact them as recommended?

    It is very doubtful the local police will do much about it. Just keep a copy of the police report for your records.

    Have you pulled your credit reports to see if there are any other accounts open in your name?

  5. Reply
    Maggie G
    May 4, 2011 at 5:43 am

    It is entirely possible that someone else with your name took out a mortgage and it was erroneously placed on your credit report. Like everyone else said – call the bank

  6. Reply
    bdancer222
    May 4, 2011 at 6:35 am

    Considering all the checking and rechecking, ID requirements, and notary requirements of a mortgage, it is very unlikely this is actual ID theft. It is much more likely that the morgtage belongs to someone with a similar name or a transposed SS# and is really just a reporting error.

    Check your credit reports and file a dispute. It may be very easily fixed.

  7. Reply
    kgaugelo
    May 20, 2011 at 5:30 am

    hi can any body help me.i have a friend of mine he lost his id and he went to home afirs to register for the new one he can get any help.

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