I know you love your sister, but identity theft is serious and it's a felony or misdemeanor criminal action, depending on the extent.  You really do need to press the charges because the credit card companies or banks could deny you assistance if you don't help them with the recovery.... and the filing of charges is sometimes part of the recovery. You also need to make it clear who is doing these actions.  If you do nothing, it may appear that you are the one responsible for these activities.Your sister has a problem.  I don't know what the extent or the root of that problem is, but continuing to let it happen without a consequence will only enable the problem to persist.  As much as hurts, allowing the process to hold your sister accountable may also help or force your sister to address whatever issues are affecting her such that she will discontinue affecting you.