u/aldp101

My credit reports reflected a change of address to an address that is not mine, and was tied to the fraudulent credit card opened and used in my name. I am still waiting on the card application and credit card statements.

I searched the address and found an LLC tied to it. I also found the full name of the individual who lives there - and their LinkedIn / Facebook, where they promote that they work at this LLC (along with the BBB) This is all publicly available information.

Is this information worth giving to the police who are investigating my police report? I know this necessarily doesn’t prove anything, but might be worth looking into, no?

Someone opened up a credit card in my name and went over the limit, and made no payments. My address and phone number was updated on my credit reports as well to information that is not mine. I reported this as fraud to all 3 credit bureaus, locked my credit files, filed a police report / got assigned a trooper (or detective), filed an FTC report, reported to the card company and got the IDs I need.

Am I missing anything here ??

My younger sister was trying to apply for her first credit card and did not get approved. She tried twice and did not know why she was not getting approved. I told her let’s check your credit reports, thank goodness I did.

Someone used her identity to open up a Capital One credit card under her name in November 2025. Charged the card to $500 (probably the limit considering she had no credit before this, lol) - and well of course they didn’t make monthly payments and now it’s been sent to collections.

I noticed as well there was an address attached to the credit card on the credit report - this year, in Jan 2026, someone updated her address to that same address used prior. I am not sure if this is the persons actual address, it’s an Indiana address, and it appears to be a rental property so who even knows.

So far, we have frozen her credit for Experian and Equifax - Transunion we are doing tomorrow (login issues have to call to resolve). We went to identitytheft.gov and filed a report as well and explained what happened but our details are limited right now. We also need to call Capital One tomorrow (they are closed atm, it’s midnight) and report it and get the account closed and taken back from collections. Advice here please, not sure what else to do.

Will she need to file a police report? Get a new SSN? Anything else I am missing?