Valparaiso Woman Charged After Police Allege She Opened Credit Accounts Using Former Roommate’s Identity
Lyndsay Marie Clancy, 43, of Valparaiso, is facing felony charges after Indiana State Police allege she used a former roommate’s identifying information to open multiple fraudulent credit accounts over a period spanning from April 2019 through August 2023 in Porter County.
According to court documents, the investigation began February 11, 2025, when the Indiana State Police Lowell Post was contacted by the Ohio County Sheriff’s Department regarding a fraud investigation. Authorities reported that a woman came to the Ohio County Sheriff’s Department on January 16, 2025, stating her Social Security card had been stolen and credit cards had been opened using her name and Social Security number.
The affidavit states the woman provided her Experian credit report and informed investigators which accounts she had personally opened and which she had not. She told authorities she believed her former roommate, Lyndsay Clancy, stole her Social Security card and opened fraudulent accounts.
According to court documents, the two women had been roommates for approximately seven years while living together at residences in Portage.
Investigators reported the fraudulent accounts were opened with several financial institutions including:
• American Express
• Bank of America
• Citibank
• Merrick Bank Corp.
• eBay Credit Card
• Indigo Mastercard
• Mission Lane Bank
• Portfolio Recovery
• Credit One Bank
• Web Bank
• Macy’s
Authorities allege the accounts were opened using Clancy’s phone number and email addresses.
Documents reviewed during the investigation listed two different totals for the alleged fraudulent losses, estimated at $11,805 and $12,786.20.
Subpoenaed records also showed statements beginning in March 2019 for a credit account later transferred to a collections company. According to the affidavit, the loss connected to that account totaled $2,757.
Investigators also obtained records from American Express showing an account opened in April 2019 using an email address associated with Clancy. Court documents state four payments totaling $687 were made on that account.
Police attempted several times to contact Clancy in person and by phone in late 2025 and early 2026. Detectives went to locations in Valparaiso but were unable to make contact.
According to the affidavit, Clancy later left a message stating the phone number contacting her appeared to be a spam call. Investigators reported several additional messages requesting an interview were left but were not returned.
Lodged in the Porter County Jail on March 7,2026.
Charges filed March 3,2026:
• Fraud — Level 6 Felony
• Identity Deception — Level 6 Felony
