Quick answer
Use identity-theft reporting and dispute processes, and separately address any lawsuit.
Do now
Review official FTC recovery guidance, preserve notices, and dispute fraudulent accounts through appropriate channels. Consider credit freezes with the reporting agencies. Keep confirmation numbers and copies of reports.
Watch for
An identity-theft report does not automatically dismiss a court case. Do not give a caller access to your device or pay to “unlock” your identity.
Official sources
FTC — IdentityTheft.gov, CFPB — Required Debt-Collection Information, FTC — Debt Collection FAQs.