How do I find out if there are fraudulent bank accounts opened in my name?

Asked about 3 years ago - Nashville, TN

I've had some recent bouts with fraudulent activity on my credit card and alerts on my debit card. I'm not sure if my social security number was compromised. I pulled my credit report and there's nothing alarming on it and I'm thinking of adding fraud alert to my credit file. My question is, How do I find out if there are bank accounts opened in my name? How do I find out if someone is using my identity in situations that do not report to credit bureaus?

Attorney answers (2)

  1. Pamela Koslyn

    Contributor Level 20

    Answered . It's not bank accounts you need to worried about, it's credir card accounts and loans that can accrue debt.

    A fraud alert and "freeze" is a good idea if you think you have reason to think that your scoial security has been compromised. Please see the ID theft link below.

    PLEASE READ THIS BEFORE YOU COMMENT, EMAIL ME OR PHONE ME. I'm only licensed in CA. This answer doesn't make me... more
  2. Amy Lavonne Wells

    Contributor Level 14

    Answered . Looking at your credit report was a great first step. Ensuring fraudulent banking accounts have not been opened using your personal identifying information is a great next step. ChexSystems provides consumer reports using information furnished from many financial institutions and would be a good resource. Visit https://www.consumerdebit.com/consumerinfo/us/e....

    Keep an eye on the credit reports. It can sometimes take some time before the trade line appears. If you get any more red flags (and never less than once per year), it should be addressed by reviewing your credit reports. For common signs of ID theft, visit http://www.ohioconsumerhelp.com/sub/id-theft.jsp.

    Good luck to you!

    NOTE: This Answer does not constitute legal advice. Every case is fact specific. To render a legal opinion, an... more

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