If he's living at home over 18 and family is paying for college, then he owes rent. Paying for that's not sketchy.

If they are creating accounts in his name, that's wrong. He should check his own credit report, and report any fraud perpetrated by his parents that affects his long term financial prospects. He has to decide whether living with parents is a net positive or not, and act accordingly. But he's not entitled to freeload any more than they are entitled to run up debts in his name.

No contact for now doesn’t mean permanently. She needs to protect herself now and figure out the relationship later, if it’s still something she wants to do in the future. I’m sorry, these parents sound awful.

Is this an immigrant family? Doesn’t really matter, but the pressure to put on a good front is real, so that may also be stopping her from cutting off contact.

Emancipation from parents and become independent student.
Help him with it.

She sure needs to leave home! No living at home. Period

Has the student talked to the college counseling office?

How did she fill out the paperwork that jobs require without knowing her SS#?

She needs to cut off her parents in every way before they ruin her credit for life.

Anonymous wrote:Go to the post office and pay for a PO Box to get mail delivered there.
She can easily get social security number by:
Visit a social security office with an id like a drivers license and ask for the number. Or have replace the card sent to P.O. Box.
Or
Go to bank and explain situation and ask for copies of documents used to open the account.
Or
Go to college and ask for copies of fafsa. Explain to college financial aid office what is happening and ask for ssn.

+1

She can use a P.O. Box. Instead of listing it specifically, she just writes the address as the post office address and her box number as if it were an apartment number. She should do that asap, get any documents she can from home (birth certificate/passport/etc) and go to the social security office. She needs a new bank account asap and a plan to move out of her house. Then she needs to file a police report and report the fraud. Messy and awful, but her focus should be on protecting herself and her future.

Banks and credit card companies won’t mail to a PO Box. She’ll need a different address. I hope she can go no contact with these bad parents.

She needs to go to social security and try for a new card. As an adult it should be easy. Open a new bank account. Then report herself to the credit bureaus for fraud.

She should get the credit card numbers and report as fraudulent

It sounds like the kid is aware which is step 1. I've known kids that weren't aware their parent was using their credit to get money (and ruined their credit). Despite what people say here it's near impossible even with a conviction to get the credit stuff removed. It sucks, the system is not in favor of victims.

Kid has to decide to be ready to do something about it. Move out, call the police, etc.

Anonymous wrote:OP here.
Can’t get a credit report without a social
And the military isn’t ideal because this kid is female

That actually makes it even more ideal.

Anonymous wrote:He can dispute the accounts on his credit report.

He'll need a police report to get the debt out of his name. He needs to ask himself if he's willing to take that step

I will add that once she has access to SS number, the first thing to do (after opening a new, private bank account) is to freeze her credit to cut off parent access.