My mom took out loans in my name and destroyed my credit and I don’t know what else to do.
Location: Alabama
When I went to college, my parents (separated, never married) told me that they had a fund for me, and I’d never have to pay off any student debts. They would pay by semester, my dad pays one, then mom pays the other, a back and forth system. All through college, no issues.
My senior year, my mom told me she took out loans, but under her name. I didn’t see a shred of paperwork, didn’t sign anything at all. Come to find out, she took out 13k in loans under MY name. It was to pay for my college, but I had no idea. I have no access to any of the accounts to even pay my loans or freeze my credit because all of the info is hers. On top of that, she opened a credit card in my name too. I cancelled it, but it’s not paid off either.
Dad sent her money to pay my college when she couldn’t. I have no idea what she did with it. I received refund checks, and she told me to cash them so I did. There is one that she cashed with my name on it with a faked signature.
Now the frustrating part, and why I’m posting. I did EVERYTHING that everyone told me to. I made an identity theft report online. Went nowhere. I went to the police three times. Made reports. Nothing. I compiled a huge envelope full of evidence, proof of payments from my dad (and proof he sent her money), and mailed it to the loan office. They said it wasn’t enough proof and there was nothing they could do. People keep sending me the same google search “how to report stolen identity”, with all the same shit I already did.
My credit score is 458 now. I don’t talk to my mom anymore for other reasons.
What else can I possibly do? Is there a specific type of lawyer who deals with this? I’m also a broke mid-20s woman which doesn’t help.