<prompt> Human: I am in the process of looking for a new apartment and after checking my credit score today I realized an auto loan and a home mortgage have been opened in my name in December of 2015. My credit has absolutely fallen through the floor from the low 700s to right below 500. What steps do I need to rectify this? Needless to say I am very worried that this hasnt caught my attention until nearly 8 months after the fact.I would greatly appreciate your advice on this matter.Edit: For anyone claiming that something is up with this story, let me just state something Ive had to post in the comments several times due to the amount of real time that goes into these investigations.Youre simply not factoring in the time it will take the credit companies to sort out my information and exonerate the false claims. It doesnt happen over night. It will take months of investigation on their end to reach a conclusion as to whether or not my false claim is fraudulent.Lots of people lie, but at the end of the day what am I supposed to do? Getting angry wont fix it. Breaking things wont fix it. In the real world these things simply take time and patience.  <response>: File a police report for identity theft first, then dispute all bureaus reports with the police report. Also file a dispute with the mortgage and car loan agencies using the police report.Itll take a bit to resolve, and make sure you do everything by mail with proof of delivery. Youll need to keep all these records forever, as it WILL show up again on your report down the road. Consider having your social security number reassignedn too. 