<prompt> Human: Update for: So I posted this a while back looking for advice and got a bunch of great advice from the community here. Just wanted to post an update on what I did and how I got it resolved.Firstly, after getting my credit report and noticing the fraudulent debts, putting 2 and 2 together to realize it was my father who utilized my name and SSN to open these accounts with various utility companies and never paid, and then posting here for advice, I decided to dispute all of the debts with TransUnion.The dispute process was simple enough. Just basically had to select from a list of reasons so I selected something along the lines of No knowledge of this debt or Debt doesnt belong to me. Something like that.After about 2 weeks, I received an e-mail from TransUnion stating my credit was updated. Opened up the link and saw that all but one of the debts was removed. The only one remaining, while still not mine, was verified as belonging to me somehow. So, I called up my father, had a chat with him about what he did, and worked out a payment plan he could afford. Called up the debt collectors, told them it wasnt my debt but they didnt care. Told them I want it off my report so Im willing to pay but not the full amount. Ended up negotiating a 50 discount on the amount. The full amount was 873 but is now 400 at 40mo. Then, with authorization from my father, I had the debt transferred to his name and hes now responsible for paying the debt collectors directly.My credit score went from 562 to 733 today.So, moral of the story: Dont just report your parents for fraud. Dispute the debts, provide evidence if you can I had to mail in some disputes, and try and work out a reasonable payment plan with your parents and the debt collectors. Most importantly, have the payment responsibility transferred to them. Both you and your parents have to authorize that with the debt collectors.Thanks again to everyone who sent me advice on the matter! Edit: Thank you to everyone whos commented! I know some people dont understand why I didnt just report him for fraud. Simply, I like my dad. I want to keep my relations with my dad in good standing. Hes a good guy who didnt understand how credit worked and how bad he messed mine up. I talked with him over the phone and explained everything for him so he could understand it. Though he was on the verge of homelessness when he did it, he was devastated when he realized how big of an impact what he did had. He just beat lung cancer after having half a lung removed so he has a lot of medical bills to pay but we figured out a payment plan he could afford for the 1 remaining debt, which is now in his name; just waiting on the paperwork to be sent to both of us before he starts paying it. He has a good-paying job now working at a place he loves and his boss really likes him so he kept his job for him while he was in the hospital. Hell have no trouble paying it off now.Thanks again! Assistant: If any of my family did that, theyd be in jail as fast as I could possibly make that happen. Then again, most of my family are terrible people, with several of them actively in jail, or on the run.Human: Yeah in the old post lots of people encouraged OP to go straight to the cops but Im glad he thought it through and got to a reasonable solution. Assistant: which will still have a negative impact on his creditIts cool that OP was willing to help his dad out, but his credit score is still going to take a hit for this, and the credit issuer is still going to attempt to pursue criminal charges even though OP didnt admit that his dad did it. Companies dont just give up after you tell them somebody incurred debt using your identity.Human: My scores up to 733 now and the debts are completely gone from my credit reports.Beyond that, Im not too worried.  <response>: As someone who has a charge off listed on his account with a 745 credit score let me tell you your total number isnt all that matters. I havent been able to qualify for a loan or many of the nicer credit cards for years and the collections is always listed as the reason. The negative mark will affect your ability to obtain credit or good interest rates, dont just look at the number. Are you positive the debt isnt listed negatively as negatively closed or charged off? It seems odd that theyd remove it completely when you acknowledged the debt was yours by negotiating it with them. 