No. of Recommendations: 0
According to the dectective, even though we have the address of the 'perp', they have no legal basis for contacting him, as a crime has not
yet been committed, and there are no witnesses. This person applied for credit via the internet, how do you find witnesses to the act of fraud
on the net?


If you're really sure it's fraudulent and not some kind of mistake, try calling the FBI. The local police detective may not be aware of or concerned with relevant federal statute.

However, it may or may not be fraudulent. At one point I mistakenly applied for credit under someone else's name and SSN because our bank had confused us (our names were very similar) and my address got stuck on his credit report, so I was receiving credit card offers that looked like they were for me but actually were for him.

I only realized my mistake when one of the credit card companies came back with a letter saying the SSN I'd written on the application didn't match the one they had associated with the offer. I wasn't committing fraud; I genuinely thought the offer was meant for me. However, I could imagine that it might have led to a phone call like you got.

-- Mark
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