<prompt> Human: tl;dr: My step dad opened several accounts in my name prior to me being 20 im 26 now, could of affected my clearance, however i was able to get it and moved on, kindof just ignoring it. Now im getting calls from collections, and want to get this crap fixed. Dont want to get my step dad in trouble, not sure what to do. My step-dad has been my real dad since I was 3 Im 26 now. Growing up, I was fully aware of my parents financial situation. I used to always hear them struggling with bills, etc. I got a job when I was 15 to help out, and have been helping them out since then. At age 20, I had exactly ONE credit card, that I always paid on time, never late. I decided to run my credit report for the first time...low and behold, there were about 5 accounts on there that I had no knowledge of whatsoever. Some were like a balance of 400.00 others 4000.00. The total amount was like 10,000. I was incredibly concerned about this because at age 20 i was interning with Government agency, and was on my way to a full time position requiring a government Q clearance, in which CREDIT is taken into account. Luckily, I was able to get my clearance, and just disputed all the accounts that werent mine with the credit agencies and thought it would go away eventually. Equifax actually removed 5 items immediately following my clearance investigation, however the other two still have them listed. Anyways, Its been 5 years, and im just beginning to get calls from credit collections, who have called past jobs, and my brother for me!! Ive never spoke to these people or admitted this debt belong to me. I have had several other accounts opened, student loans, car note, a few other cards, that are ALL paid on time, so i have far more positive accounts than negative ones at this point in my life. Now to my issue. Im tired of this, Im 26 years old and I pay every single bill i have on time, and these negative things are beginning to impact me as I want to get a house soon and wont be able to at least with decent rates with this black eye on my credit reports. I know for a 100 fact that my step-dad is the cause of all these problems, there were even some balances he actually paid some months...I lived with them until i was 24, prior to that before i was fully aware of what he had done, hed intercept all mail from these companies obviously, and my Mom was a mess about it for a while, but it kinda just got forgotten after i got my clearance. I love my dad, he has made a lot of mistakes in his life, and corrected a lot of them..he also takes care of my Mom, she is disabled and he does the majority of things for her, he doesnt do stupid crap anymore, and i know why he opened all these accounts in my name..but these credit cards and accounts arent as easily fixed apparently. I stress that he is not a bad person, and he did this so we wouldnt end up on the street. I dont know what to do!!! I cant file a police report because im afraid that might lead down a road where he ends up in trouble with the authorities and wont be able to take care of my Mom, but i do not know what to do about my credit issue!! Should i continue ignoring them for the next few years until they drop off my credit report or what???Any advice would be greatly appreciated.  <response>: Whatever good your step father did by raising you has been completely negated by his screwing you. He has stolen money from you by putting you on the hook for his fraudulent debts. How would you expect to be treated if you did this to him?Id file a police report but I know thats easier said that done. 