Identity Theft & Debt Validation

Have you singed the credit card agreement papers along with your ex-wife? If you have done so, then you are also responsible for the debt and you have to repay it. I think in that case you should ask for debt validation from the creditors first.
Now, if you have not signed the card agreement papers, you should file a complaint of identity theft with the FTC and become a registered victim.

I did not sign these agreements. We had been divorced some 10 years before she opened the accounts.

That above "Guest" comment is from me. I was using a public computer and chose not to log in.

Now that I truly an logged in...

No, I did not sign the agreements with her. We had been divorced some 10 years before she opened the accounts. She used my name and SSN in order to open the accounts.

This is a clear case of identity theft and so you should immediately file a complaint with the FTC and register yourself as a victim of identity theft. You can file a complaint by visiting the FTC website "https://www.ftccomplaintassistant.gov/" and then take a print out of the FTC complaint and file a complaint with the police.

If I file identity theft charges against my ex-wife, what will happen to her?

While I hate what she has done to me, I can't stand the idea of her going to jail for this.

You do not have to list who you suspect committed the fraud on the police report. Only that you are a victim.