I have been a victim of identity theft for 5 years now. I have such a hard understanding what is going on with my credit. It is so unfair when somebody just takes your information and uses it for their purpose. I owe XXXX dollars to creditors that I never heard of. I now ca n't get school loans, personal loans, payday advances or credit cards. It truly has put a damper in my life. I also have problems with my divorce because my husband and his family have XXXX me up using my name. I used to love my life but now I hate it and feel so alone. I have n't opened up anything since my car loan from XXXX XXXX. But credit reports are saying something different and now my whole life is altered and I 'm very unhappy because I ca n't fix it and I 'm having such a hard time disputing these errors