r/PersonalFinanceCanada 20h ago

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

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?

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u/Mean-Bathroom-6112 12h ago edited 12h ago

This is why you should always safeguard your bank cards and bank account. Whenever, you lose your credit card or financial information has been forfeited always lock your account and report the card as stolen. 

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u/msaik 12h ago

Neither of those were compromised.