That is considered identity theft, but your daughter being an adult has to file the complaint with the DA's office for investigation. Your daughter can get a free copy of her Credit Report and this account would show up on there to show whether or not the account was opened. If your daughter chooses to take no action, as she is the victim, that is the end of it and you cannot take action because she has to be the one to claim it was a theft of her identity and if she doesn't then she will be liable for repaying the money if it is not repaid.

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