Warning: wall of overly detailed text.

Backstory: somebody opened a credit account in my dad's name. We received a debt card in the mail from a bank we don't use.We got the account frozen and my parents have just left for the bank to get this sorted out. I'll update when they return.

While his name and address can be accessed from public record, this person needed his SSN to open the account. We still don't know how they got it. My paranoid brain keeps thinking that this my fault. That the fraud happened because of something I did online.

To be clear, I even don't know my dad's SSN and would never give it to anyone if I did. I've never given anyone my number either. I don't use social media sites, very rarely if ever use my real name. Also, my dad and I don't use the same devices, so there is no way someone could have gotten his info from my computer alone.

I've never used the deep web or dark web, but I sometimes do internet deep dives looking for lost and obscure media. Sometimes these sites are not in English and can be pretty weird.

I don't know why, but I'd feel really embarrassed if I had to explain what I was doing to someone who didn't understand what it was or why is was doing it. I really don't like answering questions about my hobbies and how I use my time. Hell, I don't like watching movies or share my music or books with other people, because they always seem to want to talk about it and I'm uncomfortable doing that.

Finally, I admit to pirating anime and other fansubbed shows. Anything I download is found on the surface web. I never downloaded any thing that is illegal to own. At one point a few years ago, I had a month long subscription at a premium file sharing site. Barely a month after my subscription ended, the site was taken down by authorities. Apparently some sick jerks on the dark web were using it to distribute illegal content. For a while, I was worried the police come for me even though I never downloaded anything illegal.

Anyway, I'm worried that whomever is looking into the fraud case will say to my parents "It's your daughter's fault this happened. She went to some weird website and some guy tracked her and then stole all your info." Which of course will lead to my family yelling and interrogating me about what I was doing. Even though I did nothing illegal, I'll still be embarrassed and ashamed, while fearfully explaining myself to them. In the end, my reputation with family will be ruined, and I will be weirdo who almost ruined their lives.

I'd like it if someone could explain to me how this couldn't be my fault, that I'm just paranoid.

Also, sorry for all the run on sentences. I just noticed that I typed out several.

Update: My parents finished up at the bank. The account had been clamped and we caught it soon enough that we didn't loose any money. My dad still has to contact the Social Security Office and file a report with the police.I'm not sure what happens next. If this is going to be investigated or anything or if this ends here.