My Ex Has Been Using Our Daughter's Social Security Number To Open Credit Accounts. We Only Found Out When She Was Denied A Student Loan. Location: Florida.

I don't even know where to start with this so I'm going to lay out the timeline as clearly as I can.

My daughter (18F) applied for a student loan last month for her first year of college. She was denied. The reason given was derogatory marks on her credit report. She has never opened a credit account in her life.

We pulled her full credit report and found four accounts opened in her name going back to when she was 14. Two credit cards, a personal loan, and a store account. Combined balance across all of them is somewhere around $9,200, most of it delinquent. The addresses on the accounts are all variations of my ex husband's address.

My daughter has had no contact with her father for three years. He has a history of financial irresponsibility and two prior fraud related issues that I'm aware of, though I don't know the details of what happened legally with those.

I have already filed a fraud alert with all three credit bureaus and started the dispute process. My daughter filed a police report yesterday. The officer told us that because the suspect is a parent it gets "complicated" which honestly terrified me.

My questions are: does the parent relationship actually complicate prosecution in Florida? Is there a federal angle here since some of the accounts may have crossed state lines? And what is the fastest path to getting her credit cleared before her college enrollment deadline in six weeks?

TL;DR - Ex husband opened $9,200 worth of credit accounts in our minor daughter's name over four years. Discovered when she was denied a student loan at 18. Police said parent relationship makes it complicated. What are our actual options and how do we fix her credit fast? Location: Florida.