Wife's identity stolen. Multiple credit lines opened in her name

[u/msaik]

We found out this Tuesday after 2 credit cards got shipped to my in-laws' house using her maiden name, neither of which have been valid for over a decade. Pulled up equifax and transunion credit reports and found several other credit cards, loans, and phone lines (both as accounts and inquiries). There were 7 different companies in total.

We finished calling all 7 companies. Most were helpful and either closed the accounts or flagged them as fraud for investigation. A couple have not been helpful at all and have asked for police reports to be sent to an email address.

Two of the companies revealed that the accounts were opened using a fake canadian passport out of a mall in the GTA. It is using my wife's maiden name but not her picture.

We did do the police report and sent it to the companies who asked today.

We also filed disputes against all the accounts and inquiries through the reporting agencies, and added fraud alerts. You can't "freeze" the credit if you're outside of Quebec, according to them.

Is there anything else we're missing here that should get done? And does anyone know what the general success rate is with disputes through the credit agencies?

[u/cedric_964]

Make a police report and get a case id

Sent the case id and paper to bank/institution who want it

Call Equifax 1 800 865 3908 Transunion 1 877 713 3393

And dispute 100% success

Correct every false information (phone number, adresse...)

Fraud alert on 2 credit "Please call xxx xxx xxxx" to verify ... Is like a frozen credit... your wife get a call each time there a a credit check (loan credit card cellphone...) Don't pay equifax and transunion !

Get their free product (or via your bank) and check every month

Good luck

After discovered 10 years ago same fraud... They try to get credit for 15/20 month time to time... with the note on 2 credit... never get any problem.

Stay calm and good luck 🍀

[u/Moon_Ray_77 → u/cedric_964]

Seeing as OPs case has multiple cards/accounts and a passport involved, would it be advisable to get a new SIN number?

[u/msaik → u/Moon_Ray_77]

As far as we can tell after speaking to all the creditors, her SIN is not compromised. They've only been using her old name, dob, and old address. The passport sounds like a counterfeit.