Id fraud ,, if some one use my name and adress.. its mean id fraud??

Banks are not lending for a wide variety of reasons at this time. I do not see that you have a fraud case against anyone such as the bank or the police; have the police investigate about the person that may have used your address and name. However, you do need to protect yourself against identity theft.

Check for some Legal Guides that might give you some ideas.

Identity Theft: Credit Card Scams

Identity Theft at the Curb

Check with a lawyer in your locale to discuss more of the details.

Good luck to you.

God bless.

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Not clear to me why someone using your name and address is not ID fraud. But to sue someone, you need to know who is the defendant first and in the case it would be the person who you claim stole your identity.