Pennsylvania Letter to Creditors Notifying Them of Identity Theft of Minor for New Accounts
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How to fill out Letter To Creditors Notifying Them Of Identity Theft Of Minor For New Accounts?
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FAQ
They may think it's okay to use their child's identity temporarily. But if you don't pay it back, you will damage your child's credit score and set them up for financial hardship when they reach adulthood. The law remains the same, regardless of the circumstances.
Warning Signs of Child Identity Theft Unexpected bills addressed to your child. Collection notices that arrive by mail or phone, targeting your child. Denial of government benefits for your child on the basis that they've already been paid to someone using your child's Social Security number.
Dear Sir or Madam: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
What Is Child Identity Theft (and How Bad Is It)? Open new bank or credit card accounts in their name. Take out fraudulent loans with multiple financial institutions. Buy vehicles and take out auto loans. Apply for government benefits such as unemployment or pandemic relief funds.
Contact the Federal Trade Commission (FTC) to report the ID theft and get a recovery plan. Contact your local law enforcement and get a police report. Contact the fraud departments of companies where accounts were opened in your child's name. Ask them to close the account and send you a letter of confirmation.
The effects of child identity theft can be severe, including being denied a loan for major purchases such as buying a car or going to school due to bad credit. Identity theft may also prevent your child from getting a job or receiving government benefits such as healthcare or nutrition assistance.
If you discover that someone is using your child's personal information, here's what to do right away: Step 1: Report and close the fraudulent accounts. Contact the companies where fraud happened. ... Step 2: Freeze your child's credit report. ... Step 3: Report child identity theft.
To report identity theft, contact: The Federal Trade Commission (FTC) online at IdentityTheft.gov or call 1-877-438-4338. The three major credit reporting agencies. Ask them to place fraud alerts and a credit freeze on your accounts.