<prompt> Human: My dad, without my knowledge prior to doing so, opened at least one IRA account in my name. He withdrew the money and I now owe the IRS money for the tax penalty. Im basically illiterate when it comes to these kinds of things and Im not really sure where to start for finding more information on how many accounts were opened, when they were, or how. My boyfriend tells me I should not be okay with this and has mentioned that my dad may have done this as a tax loophole knowing he would be sticking me with the bill. If that is the case, Id like to confront him about it but only after establishing at least a base knowledge of how he was able to do this and what motives may exist. Assistant: Its identity theft, for starters. Question one, are you willing to report him to the police? If the answer is no, youre on the hook for the fallout. Theres no in between, either you recognize that what he did is a criminal act, or you choose not to make waves which is probably what hes counting on and you foot the bill.Lock down your credit so he cant do it again. Human: If he claimed I had knowledge of him opening the accounts, is it considered tax fraud? I dont know how he would prove I had knowledge because I certainly didnt until he brought it up when he knew the IRS was going to show I owed the money. Assistant: I dont know your relationship with your father, but maybe give him one chance to give you the money for the tax penalty and then sit with him as he closed the account. If he refuses to do that, call the police. He committed identity fraud. Which is a felony. Human: We dont have the best relationship but I have two children that adore him so I want to take into consideration what affect the outcome of this situation would have on them. Based on anothers comment, though, Im concerned that if I accepted money for the tax penalty and paid it that I would also be involved in illegal activity.  <response>: Unfortunately, I think you know what has to be done. If you dont want to become complicit with his illegal actions, it is time to call the police. He has made this bed, now he can lie in it. 