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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.
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.
Contact the three credit bureaus. You can find out if your child may be a victim of identity theft by contacting the three major credit bureaus.
There is also a provision that allows a person who has learned or reasonable suspects that she has been the victim of identity theft to file a police report with the local law enforcement agency, even if the agency does not have jurisdiction over the identity theft.
Tools/Resources for Victims Place a fraud alert on your credit report. Close out accounts that have been tampered with or opened fraudulently. Report the identity theft to the Federal Trade Commission. File a report with your local police department.
In synthetic identity theft, criminals will create identities and attach a child's actual Social Security number to the profile. This allows them to obtain loans, file a false tax return, or apply for government benefits using the child's Social Security number.