Where do i report banking fraud id theft to someone is trying to open a transfer account with HSBC in my name?

As a former financial counselor I realize the frustrations that can occur when someone else is using your good name in order to open fraudulent accounts. This is very serious and the important thing is you have become aware of it right away. The sooner you do something about it the better. There is no single way to straighten out your credit problems so be prepared for alot of work. So you should at least consider taking the following steps to prevent further credit damage:

1) Immediately contact the 3 major credit bureaus and request a "fraud alert" or "block" be placed on your file. That way creditor who accesses your file in the future will be notified of potential fraud. But make sure you keep this in mind, it may make it more difficult for you to get credit for several months, but shouldn't affect your ability to use your credit cards. You can go to their respective websites or call them on the phone: Equifax - 1-800-685-1111, http://www.equifax.com ; Experian 1-888-397-3742, http://www.experian.com ; Trans Union 1-800-888-4213, http://www.transunion.com .

2) Get a police report promptly. You may need it to convince your creditors that you weren't on a spending spree you just don't want to pay for. If they give you a hard time about filing a police report, be very persistent because this piece of paper will be very important.

3) Notify the card issuers about the fraud. HSBC can be contacted through their website: http://www.hsbccreditcard.com or at 888-385-8916. For new accounts opened under your name, they will want you to fill out a fraud affidavit and may want to see the police report. Go to the Federal Trade Commision's website and download their identity theft affidavit: http://www.consumer.gov/idtheft/ . It is accepted by many card issuers, and credit reporting agencies. This report may save you time.

4) Contact your state attorney general's office. Some state attorney general's offices have units that investigate this specific type of case. Here is the site which lists all 50 state attorney's. You would want to contact the one in your specific state: http://www.statelocalgov.net/50states-attorney-general.cfm

5) You may want to consider subscribing to a credit alert service that will allow you to review your credit report frequently. The credit bureaus above may offer it. If you've been the victim of credit fraud, then you will want to know when anyone pulls your file or when negative information is added to it. Monitor your file frequently for at least a year.

6) Keep detailed records about everything: your phone calls to card issuers, when you made them, who you spoke with, what they said, etc. If you are sending letters make sure to certify them and keep copies for your records. Negative information can remain on your credit report for up to 7 years, so you will want to keep these records for at least that long.

7) If the theft involved your Social Security number, as is often the case, contact the Social Security Administration at 800-772-1213 so that can make sure all your information is accurate. It is even possible to get a new social security number, but that can create more problems that it solves. You may find it harder to get new credit because your name and information matches TWO social security numbers which is a sign of fraud.

8) Get help. Contact the Federal Trade Commision's ID theft hotline: 877-IDTHEFT (438-4338) . It's the same website as above in step 3. They also have alot of great information which is free to download.

It can be frustrating when someone else takes your identity, and getting everything straightened out can take time and effort. But if you don't take as many of these steps as possible you will find that in the future, applying for credit will be a headache. Also if you don't report it within a reasonable amount of time, you may be held liable for the fraudulent purchases. So be patient and be thorough! good luck!