LAWRENCE -- Jose Felipe dreamed of buying a retirement house in Florida, where palm trees and balmy breezes would remind him of his native Dominican Republic. So the commercial painter went to a storefront mortgage consultant in Lawrence two years ago and asked for a credit check. Top-notch, he recalled being told. But not for long. About a year later, he said, he discovered that the consultant, Rafael D. Reyes -- who turned out to have been convicted twice for identity fraud since 1998 -- had used his name and Social Security number to buy a $260,000 duplex in Lawrence. Since then, Felipe has struggled to repair his credit rating and get authorities to charge Reyes. ``This is driving me crazy," said Felipe, 59, who had tried to put his life back together after being convicted of two drug charges in 1992 and receiving suspended sentences.