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.
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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/en/chexsystems/report/index.htm.
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 attorney must engage in a consultation with a prospective client and review any pertinent documents. This communication does not create an attorney-client relationship with Attorney Amy L. Wells or WELLS LAW OFFICE, INC.Ask a similar question