<prompt> Human: Ive worked my ass off to fix my credit score and get it damn near perfect only to be victimized.So I Just got off work right now to find out that my complete identity has been stolen. Every damn account, credit card and my actual credit has been victimized. Sorry to air this on here, but I figured youre the best sub that can give me advice on how to handle this. Ive froze my bank account and closed the credit card accounts, but what now? And should I be afraid someone will come rob my house or steal my car since they have my info? I ran my credit and there are two loans taken out in my name very recently. And another inquiry that I never prompted. I guess Ill call them and see what I can do. Am I financially responsible for these? I dont have life lock but I will get it now and I suggest everyone get it! I shouldve listened to Dave Ramsey. I guess Ill call the police to have a report. And Im thinking the credit bureaus too. What else? And what about the long term ramifications? Im so bedside myself right now. Thanks for any suggestions. Assistant: You have had your identity stolen. Things you should do immediately:1. File a police report right now. 2. Go to annualcreditreport.com and dispute any information which is inaccurate. You may need to provide the police report as evidence.3. Be sure to follow the other FTC guidelines on identity theft.You are not responsible for debts that you did not take out. You have the right to a fair and accurate credit report, per the FCRA signed into federal law. Note that identity theft is a felony, and the perpetrator may expect jail time.Additional note: Lifelock and other equivalents wont do much extra for you that you cant do by yourself. You may wish to place a fraud alert on your credit report to ensure that no other tradelines are pulled in your name.Human: Im relieved to find out Im not responsible for the debts. I will do all these things immediately. Wow, this is quite overwhelming. Thank you for the response.  <response>: Take your time and dont panic. These things happen, and youre not liable for anything.Best of luck! 