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Hello all. Here is the backstory, please bear with me as it may seem a little complicated. In late October of 2008 there was a $350 charge to my checking account that shouldn't have been. It was a charge to pay a WFCB Venue Credit Card. I looked into it and it turns out my next door neighbor somehow got my banking information and made a $350 payment (the WFCB Venue Credit Card was his..or so I thought!). My next door neighbor is somewhat mentally ill in some capacity and lives with his grandmother. Instead of calling the cops like I should have, I presented the issue to the grandmother and said if this happens again, I will call the cops (I also got the $350 charge reversed very easily by my bank, Wachovia). I got my banking account number changed and the issue seemed resolved, and I didn't think much of it.
However, I checked my credit report today with annualcreditreport.com and it seems that the $350 payment was to pay off a credit card that my neighbor signed up for in my name. Here's what probably happened: he signed up for the credit card in my name, charged $4,000 worth of things as that's the credit limit on the card and the current balance is now $7416, and for whatever reason when I had that $350 charge removed WFCB told me the name of the person who charged the account was my neighbor, and I didn't even begin to think the card could be in my name.
So, as I sit here now: I have 2 problems. #1. Should I go to cops immediately? It will take me awhile to gather proof that it was my neighbor (I'm 100% sure it was him, trust me on this). Or wait until Monday when I have the proper proof printed out? #2. The issue of actually getting my name off that credit card and also off my credit report. Thank you so much for your help!!! -Anthony
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