<prompt> Human: So here i am,19, have a decent job, car, just living life, ect. Ive always paid any bills ive had up until now, car insurancephone. Upon requesting for my credit score i findd all these delinquit accounts. I know it was my mother. if you knew her she just does these kind of things. Buying something from rentacenter then pawning it for a quick buck and having to pay monthly for something she doesnt even have. Electronics always went missing as a child. now i look at this report and even on one of them it has my moms last name. Heres the kicker, i called one of these cars and its under my name yet she is an authorized user. I just want to start my life. This is holding me back but what can i do? i have two brothers. ruin their life by pressing charges against my mother. i need help. any words of advise is great. ThanksEdit: Thank you for all the help. I requested my credit scores and added the toal up and its about 5,000, One was before i was the age of 18, im going to try to get that one taken off before i do anything else drastic. When looking at my report i noticed that there was a request to view my credit from chase bank on 122514. Which is incredibaly recent. Im not pressing charges as of right now, But im going to let her know that if she does anything with this account i wont hesistate. Im freezing my credit. Hopefully i can get this all figured out in the best possible way.Assistant: The short of it is that it is fraud. File a police report and then you can start to deal with the credit bureaus...Human: I talked to my credit union and she was traight to the point with me. I cant do anything unless i agree to press charges. Would you do this to your own family?Assistant: As hard as it may be, I would. You have been a victim of a crime. Credit and finances are extremely important for you to be able to start your life...think about it. EVERYONE checks credit. Renting an apartment, utilities, any type of loan, banks, credit cards, background checks for jobs, etc.Life is difficult enough starting from zero, but starting in the massive negatives is going to make your situation difficult.Human: I know. do you know how embarresing it was being at my credit unuion for my first credit card and my banker bringing this up. Nearly died. I had to play it off as if i didnt know whod do this but when i saw her last name on one of the debts i knew. The thing is i dont think you know how hard this is. If i do report it how does that affect my brothers life right now.  <response>: And imagine how mortified youd be if you just got a job offer contingent on a background check, and years and years of collections shows up on your credit report? And you dont get the job because of it? 