<prompt> Human: My best friend just informed me of the time she was victimized by a fraudster 3 years ago. Apparently the woman that she was roommates with 3 years ago got a hold of her mail and ended up taking out a 50k loan from US Bank over the phone and while she was at it, she also put a bunch of utilities in her name. I myself am quite a novice at this, so Im not sure how to go about handling the situation. She called the bank as soon as she found out and was told that she would have to pay that, even though it was a fraudulent loan and afterwards never rectified the situation- even avoiding opening a bank account for fear that she will have to repay a loan she didnt take out. My question is what do we do from here? Who do we contact, can we get a copy of the loan or possibly the recording of the phone call and how do we prove her innocence in this situation? Should she file a police report or call the fraud department? Im going to 3 line call the bank on Tuesday with her to try to resolve this, but what happens if they say the same thing? Thanks for all replies. Im seriously at a loss  <response>: Yea... File a police report like 3 years ago. 