Dear Scammed

The unfortunate news is that correcting identity theft can be a long and arduous process.  You need to take action right away.  Here are a few steps you should be taking:

• Gather information on all of the accounts that have been opened in your name.  You can likely grab all or most of this from your credit report.
• Contact the 3 credit bureaus, Experian, Equifax, and Transunion, and have them all lock your credit for the time being.  This will ensure no new accounts are taken.
• File a report at identitytheft.gov.  That will help you with a step-by-step action plan for fixing this your credit.
• You might also want to consult an attorney if that if feasible.  If you can’t afford one, see if your university has legal consulting services available.

Following the above steps will help you get started in repairing your credit, but it could cause issues for your parents if in fact they were the ones to take out these loans/credit cards.  If taking action here screws them over, who gives a shit?  They were more than willing to fuck with your future for their benefit, why should you care if they suffer the consequences?

I would just begin going through the credit repair process, and treat this like any identity theft.   There is no need to even let them know what you are doing.  If they are guilty they will find out soon enough.  In fact, its probably better to do it this way.  If they confront you as to why you started an investigation, you can just say that you thought your identity was stolen.  Since they needed to take out credit in your name, they likely won’t be able to pay the money back to fix it, so you need to think of yourself here.  If you are worried about ruining your relationship with your parents, don’t be.  They should be apologetic about this and be doing what they can to fix it proactively.