My Parents Stole My SSN to Buy a Luxury Boat

My parents stole my identity to buy a luxury boat, and now my entire family is calling me a selfish monster because I reported them to the police and got my dad arrested.

I am 22 years old. Last week, I finally saved up enough money to move out of my college dorm and applied for my first independent apartment. Two days later, the landlord called me and said my application was rejected because my credit score was in the low 400s. I was shocked because I’ve never even owned a credit card.

I immediately pulled my full credit report and found a massive, active $38,000 marine vehicle loan opened in my name three years ago, when I turned 19\. The billing address was listed as my parents' house.

I called my mother, furious and crying. She didn't even sound guilty. She casually laughed over the phone and said, "Oh yeah, your dad’s credit was too ruined to get the financing for the boat he wanted, so we used your social security number. We knew you wouldn't mind since we raise you, and we've been making the payments anyway."

Except they haven't been making the payments. They missed the last six months, which completely destroyed my credit and my chances of getting an apartment.

I didn't argue with her. I hung up, walked straight into the local police precinct, and filed an official identity theft and fraud report against my own parents. Yesterday morning, two police cruisers pulled up to their house and arrested my dad while he was washing that stupid boat.

Now, my phone is blowing up with texts from my aunts, uncles, and cousins calling me an ungrateful, malicious bitch who ruined her family over "a piece of paper." My mom says she's cutting me off completely. But honestly? If you’re comfortable stealing your child’s future for a weekend toy, you belong in a cell.