Long story short, I checked my credit yesterday for the first time in years, and noticed a closed American Express card that is at collections. Shock to me! In researching, found out that my ex-roommate that I kicked out over a year ago opened this account in my name, and racked up $24,000 in charges! I filed the fraud with Amex, and contacted the colleciton agency that it was turned over to. They said they've been "speaking with me" for months about this. Turns out they were calling him on his cell phone, and he was posing as me, and even told them that my father would use his 401k to pay for these charges! I was advised to immediately file a police report against him, and fax it back to the collection agency. Amex is also working the fraud report. I have always prided myself with paying bills on time and keeping a good name. This could prove to be a huge wrench in that. Should I do anything else right now, and what can I expect in the future to clear my name? Thank you!