Delaware Letter to Creditors Notifying Them of Identity Theft of Minor for New Accounts

• Category: Criminal - Identity Theft
• State: Multi-State
• Control #: US-00714-LTR
• Format: Word; Rich Text

Description

This Letter to Creditors Notifying Them of Identity Theft of Minor for New Accounts is used to resolve the fraudulent opening of an account by an identity thief in a minor's name. A minor or the minor's parent must notify the creditor of the account opened fraudulently in the minor's name to dispute the opening of the account and any charges or debits attributed to the account.

Title: Delaware Letter to Creditors Notifying Them of Identity Theft of Minor for New Accounts Introduction: In Delaware, it is crucial to inform creditors promptly when a minor's identity has been stolen for fraudulent purposes to prevent further financial damage. This detailed description provides important information on drafting a letter to notify creditors about such a situation, ensuring a swift resolution. Keywords: Delaware, letter to creditors, identity theft, minor, new accounts 1. Understanding Delaware Laws on Identity Theft: — Delaware's laws regarding identity theft emphasize the need for immediate action when a minor's identity is compromised. — Delaware Code Title 11 § 854 provides legal guidance on reporting identity theft, protecting minor's financial interests, and holding perpetrators accountable. 2. Types of Delaware Letters Notifying Creditors of Identity Theft of a Minor: a. Initial Alert Letter: Upon discovering the identity theft, you should send an initial alert letter to all relevant creditors notifying them about the situation. It requests them to freeze any existing accounts and prevent opening new ones. b. Follow-Up Verification Letter: After sending the initial alert letter, creditors may require additional information or documentation to verify the identity theft of the minor. The follow-up verification letter serves to provide any requested details promptly. c. Confirmation of Identity Theft Resolution Letter: Once the identity theft matter has been resolved, it is crucial to send a confirmation letter to the creditors. This letter ensures that the minor's credit accounts are no longer associated with the fraudulent activities. 3. Key Elements to Include in a Delaware Letter Notifying Creditors: a. Introduction: Clearly state the purpose of the letter, indicating that it is a notification of identity theft related to a minor's account(s). b. Affected Minor's Information: Provide the full name, date of birth, and address of the minor whose identity has been compromised. c. Identity Theft Discovery: Explain how the identity theft was discovered, including specific information, such as unauthorized account transactions or suspicious credit inquiries. d. Request for Action: Clearly state the actions you would like the creditor to take, such as freezing existing accounts, halting new account applications, and conducting a thorough investigation. e. Supporting Documentation: Enclose necessary supporting documents, such as a copy of the minor's birth certificate, social security card, and any relevant police reports or affidavits. f. Contact Information: Provide your contact information, including a phone number and mailing address, so the creditors can reach you for further inquiries and updates. g. Notifying Credit Reporting Agencies: Inform the creditors that you have also contacted the major credit reporting agencies (Equifax, Experian, TransUnion) to place a fraud alert on the minor's credit file. Conclusion: Promptly addressing identity theft involving minor accounts is of utmost importance to safeguard their financial future. By drafting a comprehensive Delaware letter to creditors, you can ensure the protection of the minor's interests and expedite the resolution process.