As a member of the military I spent about one year overseas at a secret location, and my return to America revealed the evil deeds of master criminals.
My oath prevents me from telling you what I did for the military, but my assignment was off the grid and all my paycheck was deposited into my checking account.
The first sign of trouble was during debriefing after my mission, I was sent to take a polygraph test.
My dept. at the military involves some type of spying, and all agents’ financial lifestyles are constantly monitored.
The examiner started by asking about my negative balance in my bank account. Mind you, I had no idea my bosses could see into my bank account.
The polygraph examination continued with questions about my massive credit card debt. I stopped the examination and stomped out of the room in rage.
My immediate boss explained they suspected I was a victim of identity theft, and needed to get it fixed before my next assignment.
Before I tell you steps I took to get my identity back, let me explain the havoc caused by those that stole my identity.
1 – Someone Moved My Identity to another State
I am based in the Midwest, and someone moved my identity to New York City, and then New Jersey.
Amazingly the perpetrators were able to open up bank accounts in my name with my original birth-certificate, which was obtained through the mail from the city where I was born.
2 – They Formed a Corporation in my name
Someone created a corporation in my name, and also opened several bank accounts under that entity.
3 – Multiple Credit Cards in my name
The individuals that committed this crime proceeded to open several lines of credit under my name and the created entity name, all totaling over $75,000.
They created several employees under this entity and proceeded to defraud checking cashing institutions over $40,000, all within one year.
4 – Store and Gas Cards
The perpetrators opened over 15 dept. store and gas credit cards under my name. They bought Flat screen TVs
My Efforts to Get my Financial Life Back as an Identity Theft Victim
I have committed acts of violence in the name of my country, and will be exerting revenge on the individuals that caused this financial havoc, but first I need to find them.
I traveled to New York City and rented a small room on the edges of the Bronx. The criminals fucked with the wrong dude, and I intend to get my former 790 FICO score back.
Any identity theft will leave massive paper trails that can be followed by a good investigator.
Filed Report with the FTC
Your first step is to file an affidavit with the Federal trade commission (FTC) through this – link.
The printed report is what you present at the police station to get the ball rolling to restore your identity.
My Visit to the Local Police Station
If you’re a victim of identity theft, you’re required to report the theft to your local police station.
The sergeant was kind enough to give me some more clues as to how to get my financial life back in order.
He also implied identity theft is one of the fastest growing criminal acts committed by individuals living in other states, or sometimes other countries.
You’re required to take the police report and present it to the jurisdiction where the crimes took place, if you intend to investigate it yourself.
My Visit to the Local Social Security Office
By social security identity theft laws, it’s not that easy to change you social security number. There are protocols that must be adhered to.
First you need to proof you’re – you! Next you have to provide the police report and detailed list of the financial crimes committed in your name.
Since I only have the FTC and police report, I promised the clerk all the information would be presented to the agency once I have them.
I promised to come back in about one month with all the relevant papers.
My Visit to the Banks
Five bank accounts were opened in my name and my intention was to visit each and find out information about the perpetrators of this crime.
My first visit was to Citi-bank and the cute friendly bank manager gave me more information than I expected.
I basically got the same information from three other banks, but one refused to even talk to me unless I have a court order.
In my small room, I looked over the identity of the criminals. They used different picture IDs at each financial institution.
Looking at the documents, it’s obvious at least three individuals were involved in this theft of my identity.
I ran the images through the government database and came up with one positive hit.
Just like fingerprint technology, Uncle Sam now has technology that can identify you with just your image.
The positive hit pointed to an individual located in Brighton-beach part of Brooklyn, and has association with Russian criminal groups.
My Credit Report Inquiry
I asked all the major credit agencies to put a block on my credit profile to prevent further damage.
Through my government connection, all new credit inquiry to my file is also forwarded to a certain government agency which eventually reaches me.
The Wise Detective
My trip to New York City police plaza paid dividends within two days. A detective named “Jose” was assigned to my file, and we decided to meet that evening in Manhattan.
My intention to eliminate the individuals involved in this Identity Theft
Over hot-dogs and beer, the NYC detective was more forthcoming than I expected.
I gave him the name of the individual I found with my visit to the bank. He ran the name through the police database in his unmarked squad car, and more information came out.
This individual has been arrested several times in the past for credit card and mortgage fraud, and only served about 3 years in prison with his lengthy record.
The detective warned me about the violent nature of the Russian criminals.
He probably would be shocked if I told him I committed acts of violence for a living for our government.
Now I know what civilian victims of identity theft must be going through. My government connections allowed me to evade most of the bureaucracy red tape.
Working with the detective, a luxury car that was bought under my name was recovered before been shipped overseas.
One suspect was killed during a wild shoot-out in Brooklyn. Another suspect is on the run, and probably in Russia by now.
The main ring-leader is recovering from a gunshot wound to the abdomen, and would be facing multiple criminal conspiracy charges that could land him in jail for at least ten years or more.
During my search of the luxury automobile I found several thousands of dollars packaged inside the engine, and decided to keep it for all my troubles.
Identity Theft What to Do?
1 – File an immediate report with the FTC, which involves an Identity Theft Affidavit. The report is detailed and can be printed out once completed. Here is the link to get you started online
2– You need to take the printed report to your local police station and get an incident report number.
While at the station, you might have to rehearse the details of your identity theft and what types of credit were established in your name.
The more information that’s included in your FTC and police report, the easier it is to get your financial life back in order.
3 – Try to File a Complaint with the IC3
This is a Federal agency that can get your information to the right agencies in a timely manner.
You would need all the information in your FTC affidavit. Here is the Link to that resource – Site
4 – You have to decide if you want to keep your social security number or file for a new one.
There are some advantages and disadvantages to getting a new social security number.
You can get a fresh start, while keeping the identity theft financial loss behind you.
Your fresh start means no credit history, which might be a problem for those looking to borrow money or buy a house.
Most government agencies would keep both social security numbers in your personal file, including the IRS.
My advice is to clean-up the mess created by the identity theft, before trying to get a new number.
The only way to make a new number work flawlessly is if you also change your name, and re-apply for all new government IDs.
Here is a Government PDF link to work you through the details of getting a new social security number.
5 – IRS Issues
If you have problems with your taxes with the IRS due to the identity theft, this direct link would provide steps you need to take to correct it.
6 – Create a Credit Freeze on Your File
I created a freeze on my credit profile and I suggest you do the same. You can make the freeze temporary or permanent.
Anyone seeking to access your files would need a special password that you help create.
I got mine for free, after much heated argument and threats to the three major bureaus. Here are the links to how you can get started with each agency
A – EXPERIAN CREDIT AGENCY
To learn about the credit Freeze page – GO HERE!
To temporarily freeze your credit file – GO HERE!
To permanently freeze your credit file – GO HERE!
B – TRANSUNION CREDIT AGENCY
To access the credit profile freeze page, this is your – LINK!
To get started freezing your credit file, use this – LINK!
C – EQUIFAX CREDIT AGENCY
To find out more information about freezing your credit profile at EQUIFAX credit reporting agency – use this online Resource!
Some of you might run and sign-up for the best credit protection services.
I like to keep a good eye on my earnings, and wasting my funds on reporting services is not a good way to deploy my dollars.
Freezing your credit profile is an effective way to manage your credit and financial information.
Best of all, the freezing either temporarily or permanently has no negative effect on your credit score.
If you have identity theft stories with workable methods you used to recover, please leave it in the comments section.
DISCLAIMER: This article was written by an anonymous source that chooses to remain in the shadows due to Government duties. While we appreciate the help to get identity theft victims on the right road to recovery, the management at msmoney.org does not advocate violence of any kind in resolving or catching the culprits. Victims of identity theft should leave the law enforcement actions to the proper authorities.
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