If someone is using your address without your permission this could be classed as fraud. This article answers the question, how can I stop someone using my address?
How to stop someone using my address for credit?
Credit applications generally require proof of address. This could be by checking the electoral register. So you may wish to update with the council to ensure the other person’s details are no longer noted at your address. You may also want to return all letters and communication to the companies concerned. You should let these companies know that they do not live at your address, and provide a forwarding address if you have one. This may stop the letters.
If debts in the other person’s name are unpaid then the information will start to show on that person’s credit reference agency file. They are likely to start getting declined for further credit. If you believe that this person is making fraudulent applications for credit, then you could consult with a solicitor, or contact Action Fraud.
Please remember that although another person is using your address to take out credit, this should have no effect on your personal credit rating. However, you could contact credit reference agencies such as Equifax, Experian and Call Credit and ask them to put a ‘Notice of Correction’ on the account. Alternatively, you could contact the police and report this person’s behaviour.
However, if you’re struggling with debts of your own you could use government legislated debt relief solutions to stop pressure from people you owe money to, freeze interest and charges and write off up to 90% of unsecured debt.
Someone using my address to claim benefits – What should I do?
If someone is claiming benefits for an address they don’t live at then they are committing fraud. There may be a few exceptions, such as errors or failing to notify an address change. In this case, you should contact the council as soon as possible.