I guess I am writing this story on behalf of my wife. As we prepared to buy a house we pulled a credit report on her and found that she had about 8 collection accounts, all of which were medical. Upon calling these companies we found that she could be the victim of ID theft since they all had the same adress in Alabama (we reside in Texas and have never been to Alabama) her social security number and her date of birth. It seems that all of the medical accounts were in regards to a baby that was born in Alabama, these accounts included regular check-ups, sonograms and the hospital stay. All in all the total of her debt was somewhere above 12,500 dollars. ID THEFT VICTIM STORY
Upon some investigation we found that the person that used her ID was working on a pultry plant in Alabama and had medical insurance under her name from a company known as Blue Cross Blue Shield. It seems that the insurance did not pay for the accounts and my wife's name was charged with the balance.
No collection notices reached our hands or no knowledge of those accounts untill we pulled a credit report and started to investigate those accounts. This has made it somewhat more difficult to obtain a mortgage since we have to provide reasons of why those accounts were unpaid.
My belief is that we could continue to investigate this matter a bit further. It seems to me that the baby born on that Alabama hospital is registered under my wife's name and that information (we don't know the baby's name or sex only his/her date of birth) is somewhere in 'her' medical records in Alabama.
I was wondering if it is ethical for us to travel to Alabama to obtain a copy of the hospital records for the person who used my wife's identity. I ask this since those records are confidential, and we were planning on ommiting the fact that she wasn't the person that actually stayed on that hospital and gave birth to a child that day. I was thinking that maybe we could obtain further information on the child like a copy of the child's social security number and birth certificate to track down the child and through that venue find the woman responsible for ruining my wife's credit history.
We would like to find her to recover any documentation that she might still have with my wife's name. We also would like to see that she is made responsible for paying her own medical bills as well as face the judicial system for the crimes of identity theft.
We ask for help from any of your readers. We would like some direction as to what to do as a next step and any ideas as to how to get any of this cleaned up. Thank you in advance for your cooperation.
Story submitted on: 2005-08-01 00:00:00.0.