<prompt> Human: so im in the process of buying a car and i checked on credit karma to see what my score was. i always pay my own credit card my self on time and thought i would have a great credit score but it was a lot lower than anticipated. i then checked to see why it was so low, and apparently my dad opened up 3 credit cards without me knowing. the lines are 3200, 3200 and 3500 and hes utilizing 90 percent of the line. my own card is 5000 and i have less than 200 debt on it. what do i do in this situation? i feel like im fucked completely cause i know he doesnt have the money to pay that off anytime in the next five years of his life. if i file identity fraud doesnt that just screw my dad completely? i tried talking to him about it but all he says is that he will take care of it. id like to know whats the best course of action.  <response>: Your father committed a crime fraud by opening accounts in your name. Your choices are to take accountability for his actions, or to force him to take accountability for them. It is a very unfortunate circumstance with no easy solution when it comes to family, but there is no way around accepting one of those two outcomes.You can look into freezing your credit to prevent him from doing further damage, Google it for more information. 