[RN17853]

Here is my problem. I was engaged to a man and during the spring and summer of last year he opened 2 credit cards by forging my name, he fraudulently added himself as an authorized user to an existing account and attempted to apply for loans using my personal information. The total amount on my credit report at that time was $16,000.
I immediately filed fraud reports with all of the creditors and contacted the Identity Theft Assistance Program. The individual, whom I was still living with at the time, was confronted and went to his mother borrowing the $16,000 to repay the credit cards in trade for me not filing a police report and charges. I agreed to this because I wanted my credit report cleared immediately.
In an affidavit that I sent to one of the creditors I indicated that I was not filing charges or a police report unless restitution was not made. I received a letter from that creditor indicating that I was not going to be held responsible for any charges on that account. His mother had taken out the loans and both she and I were under the impression that the credit cards were taken care of.
That was until January 2008 when I received notification from the same credit card company referenced above indicating that the account was stil delinquent because there was no payment made. Turns out this individual took the check for this account...$6000 approximately, and spent the money leaving this account still delinquent. There was contact between the creditor and this individual and another payment arrangement was made to clear this account. At this time I am under the impression the the other account for $10,000 has been taken care of satisfactorily because I havent heard from them again.
Unfortunately, the check that the individual wrote to clear this account has bounced and this week I received a statement from this creditor indicating I am now responsible for the entire amount because although I did not know about the credit card being opened, I indirectly benefited from what the card was used for.
I have the documentation to support all of the above and my question is if I file a police report at this time, giving all of the above information, is there still a chance that criminal charges can be filed against this individual such as forgery (for my signature), identity theft, writing bad checks or anything else.
I am writing from Pennsylvania

[gigirle]

UOTE]His mother had taken out the loans and both she and I were under the impression that the credit cards were taken care of.
[/QUOTE]
This is where you screwed up. He stole 16,000.00 then admitted it and you took his word for it. I won't beat you up anymore, hope you have learned your lesson. With that being said, lets clear something up...Did you close the account? You have a letter from cc company stating you were not responsible, what has changed? Have you asked them? Did you make a deal with him to make payments or was the agreement with the ccc and him?
What should have happened is once you reported it as fraud, filed thru with it. You only half did it. Once it's closed, he can't reopen it. Sounds like some how it was kept open, maybe to allow payments to be made. As hard as it may be to do, leave the emotions out of it and follow thru with the fraud.
How are they saying that you indirectly benefited from it, because you were living together?
Also, get a hold thru the credit reporting agencies to place a hold on your ss# (temp or permanent) so that it will make it difficult for him to do this to you again. Trust me its more of a possiblity than you realize and easy enough for a 5th grader to do (but you have already found this out) Find out YESTERDAY about the other 10,000 and do not assume anything.
Getting someone to file charges against him although he did commit several crimes is going to be next to impossible. If your uncomfortable giving me the specifics please PM me with them.

[RN17853]

Ok first...the arrangements for payment were between him and the cc companies. I was initially told to stay completely out of it from that point forward. This was by the fraud investigator at CitiBank. The accounts were completely closed at Citibank. There were 2. One account was transferred to another number and is only in my name. That account was one that I had opened myself but he fraudulently added himself as an authorized user.

The other creditor is Bank of America. The initial letter says I am NOT responsible for the charges. When I received the second letter indicating that I AM responsible I immediately called and they told me that I was responsible because I benefited from some of the charges. Specifically, a trip to the shore during summer 2007. I indeed was at the shore and likely did benefit from what he used the card for...HOWEVER, I didnt know he was using a card that he fraudulently opened in my name. I questioned why I received the first letter saying I wasnt responsible and they said it was because there are 2 levels of fraud investigation at that company and the second letter was from the second level of investigation.

[RN17853]

when you say follow through with it...what do you mean?

[gigirle]

Make sure that the ccc's are indeed considering this fraud. There needs proof that you authorized him as a user (this is why they record those coversations on the phone), make they show you proof, otherwise, it's still fraud. Admit to no knowledge of his use of the card, this is their way of putting it back on you and sticking the debt back to you.
Once you got the letter stating you were not responsible, was the account closed? Do you have proof in writing that it was closed?