<prompt> Human: Ill start this by saying Im a 20 year old college student in central Texas, USA who does not know much about finance or really any of my options going forward with this. Heres the story:Yesterday I received a call from a Discover employee telling me I had a bill from my Discover card that needed to be paid. I told him I did not have a Discover card. He responded with So this isnt my name who lives at my parents address? I told him Id call him back. At the time, I was assuming it was a scam, but hed given me the last 4 digits of the card and didnt ask for any of my personal information. After a few minutes of thinking about it, suspicion started to sink in so I decided to call my mother. I described the call and my confusion to her expecting to get the it was just a scam, ignore it. response she would normally give me. She sounded very strange when she told me to just give her the number and she would look into it and straighten everything out for me. I got even more skeptical of the situation after I ended the call, so I called my older sister who is not on good terms with my mother. She told me to go on credit karma and look at what all is in my name. While making the account, they asked me a bunch of verification questions like Your credit file indicates you have a mortgage loan opened in or around August 2013. Who is the credit provider for this account? It also included an auto loan, installment loan, the bank card and my student loans. My sister told me some of those might be fake questions, and since I didnt know the answer to most of them, I went on experian and signed up there. They had similar verification questions, but did not have any questions about the monthly payment amount. One of them included the bank card and auto loan question, so I answered the only options that had been on both sites for each. I was able to sign up successfully. The Discover card is definitely in my name, however Experian did not show the auto loan or any of the other loans besides my student loans. I have a bank manager friend looking further into my credit file to see if those loans are real. I was completely blindsided by all of this. Some of the more recent loans and the Discover card were opened in 2017, which means I was 19 and no longer a minor. I dont know if I need to press charges against them. I havent been on the best terms with my mom and her husband since I was about 16. Any advice would be very much appreciated. Im very scared right now and trying my best to think rationally and clearly. I understand that Im not actually responsible for any of the loans taken out or the bank card, but I still feel like Im about to lose my parents who have been somewhat supporting me through school. I dont understand why my mother would lie to me about the card if it was just a normal thing parents do. Im not asking for relationship advice. I know this is not the place for that, and I need to decide what to do about my mother on my own. Any financial advice about what to do if that relationship goes wrong due to this would be appreciated!  <response>: I dont know if I need to press charges against themIf you want to not be responsible for these accounts and get them removed from your credit report, you will have to dispute them with the credit bureaus. They generally require you to file a police report in order for you to dispute them, because if they are truly not yours that means someone committed identity theft and fraud, which are crimes. This could result in your mom getting charged with the crimes she seems to have committed. I still feel like Im about to lose my parents who have been somewhat supporting me through school.This is the problem that many victims of identity theft face when the thief is a close relative. In order for you to be absolved of responsibility, you likely have to file a police report, and most people dont like being arrested so it can definitely strain relationships. Its a tough call to make, but remember that she committed a crime with no regard for how it would affect you. I dont understand why my mother would lie to me about the card if it was just a normal thing parents do.Because its not a normal thing that parents do. She committed a crime and is lying because she has been caught. 