This Letter to a Credit Reporting Company or Bureau regarding Identity Theft of Minor helps a minor or the minor's parent correct fraudulent information in the minor's credit reports. In order for such information to be blocked on the credit report, a minor or the minor's parent must notify consumer or credit reporting companies of fraudulent information that is not related to any transaction that the minor made or authorized.
Subject: Delaware Letter to Credit Reporting Agency Regarding Identity Theft of a Minor Dear [Credit Reporting Agency/Bureau], I am writing to bring to your attention a serious issue of identity theft involving a minor in the state of Delaware. I kindly request your immediate assistance in rectifying this matter and providing guidance to prevent any further harm to the minor's credit and financial well-being. [Minor's Full Name], born on [Minor's Date of Birth], is the victim of identity theft, which has had adverse consequences on the minor's credit history. As legal guardians and concerned parents, we discovered this unauthorized use of their personal information while performing routine credit checks. The specific incidents of identity theft we believe to have occurred, include, but are not limited to: 1. Fraudulent Credit Card Accounts: Several credit card accounts have been opened using the minor's name, Social Security number, and other personal details without our knowledge or permission. We request a thorough investigation to identify all fraudulent accounts associated with the minor and take immediate action to close them. 2. Unauthorized Loans or Lines of Credit: We suspect that unauthorized loans or lines of credit may have been obtained in the minor's name. We request a comprehensive review of the minor's credit report to identify any dubious activities and take necessary steps to dispute and rectify them. 3. False Identification: We have reason to believe that the thief may have used the minor's personal information to obtain false identification documents or driver's licenses. We request your collaboration in uncovering such fraudulent activities and notifying the relevant authorities for appropriate legal action. 4. Additional Incidents: It is crucial to conduct a thorough investigation to identify any other related instances of identity theft that might have compromised the minor's credit and financial stability. We urge you to communicate any new findings promptly. To assist with the investigation, we have attached all supporting documentation, including copies of the minor's birth certificate, Social Security card, and any available information regarding the fraudulent accounts. We kindly request your agency's guidance and support in the following actions: 1. Placing a Fraud Alert: We request that you place an immediate fraud alert on the minor's credit file to ensure additional precautions are taken before any new lines of credit or accounts are opened in their name. 2. Freezing the Credit: We would appreciate you assisting us in freezing the minor's credit to prevent any further unauthorized access. 3. Correcting Credit Reports: Once the investigation is complete, we expect you to promptly remove all fraudulent accounts, loans, or lines of credit associated with the minor's identity from their credit report. It is also essential to correct any inaccuracies resulting from the identity theft. 4. Ongoing Monitoring: We request that your agency continues monitoring the minor's credit report for a designated period, ensuring no further suspicious activities occur. We understand the gravity of this situation and the urgent need for action to safeguard the minor's financial future. Your prompt attention to this matter is greatly appreciated. Please provide us with a written response and outline the steps being taken to resolve this case within the required time frame as guided by Delaware laws. If there are any other specific forms or paperwork required by your agency to facilitate this process, please kindly provide them along with your response. We appreciate your immediate attention and cooperation in addressing this matter. We look forward to your swift resolution of this identity theft incident and subsequent restoration of our child's credit and personal information security. Thank you for your understanding and support. Sincerely, [Your Name] [Your Contact Information]
Subject: Delaware Letter to Credit Reporting Agency Regarding Identity Theft of a Minor Dear [Credit Reporting Agency/Bureau], I am writing to bring to your attention a serious issue of identity theft involving a minor in the state of Delaware. I kindly request your immediate assistance in rectifying this matter and providing guidance to prevent any further harm to the minor's credit and financial well-being. [Minor's Full Name], born on [Minor's Date of Birth], is the victim of identity theft, which has had adverse consequences on the minor's credit history. As legal guardians and concerned parents, we discovered this unauthorized use of their personal information while performing routine credit checks. The specific incidents of identity theft we believe to have occurred, include, but are not limited to: 1. Fraudulent Credit Card Accounts: Several credit card accounts have been opened using the minor's name, Social Security number, and other personal details without our knowledge or permission. We request a thorough investigation to identify all fraudulent accounts associated with the minor and take immediate action to close them. 2. Unauthorized Loans or Lines of Credit: We suspect that unauthorized loans or lines of credit may have been obtained in the minor's name. We request a comprehensive review of the minor's credit report to identify any dubious activities and take necessary steps to dispute and rectify them. 3. False Identification: We have reason to believe that the thief may have used the minor's personal information to obtain false identification documents or driver's licenses. We request your collaboration in uncovering such fraudulent activities and notifying the relevant authorities for appropriate legal action. 4. Additional Incidents: It is crucial to conduct a thorough investigation to identify any other related instances of identity theft that might have compromised the minor's credit and financial stability. We urge you to communicate any new findings promptly. To assist with the investigation, we have attached all supporting documentation, including copies of the minor's birth certificate, Social Security card, and any available information regarding the fraudulent accounts. We kindly request your agency's guidance and support in the following actions: 1. Placing a Fraud Alert: We request that you place an immediate fraud alert on the minor's credit file to ensure additional precautions are taken before any new lines of credit or accounts are opened in their name. 2. Freezing the Credit: We would appreciate you assisting us in freezing the minor's credit to prevent any further unauthorized access. 3. Correcting Credit Reports: Once the investigation is complete, we expect you to promptly remove all fraudulent accounts, loans, or lines of credit associated with the minor's identity from their credit report. It is also essential to correct any inaccuracies resulting from the identity theft. 4. Ongoing Monitoring: We request that your agency continues monitoring the minor's credit report for a designated period, ensuring no further suspicious activities occur. We understand the gravity of this situation and the urgent need for action to safeguard the minor's financial future. Your prompt attention to this matter is greatly appreciated. Please provide us with a written response and outline the steps being taken to resolve this case within the required time frame as guided by Delaware laws. If there are any other specific forms or paperwork required by your agency to facilitate this process, please kindly provide them along with your response. We appreciate your immediate attention and cooperation in addressing this matter. We look forward to your swift resolution of this identity theft incident and subsequent restoration of our child's credit and personal information security. Thank you for your understanding and support. Sincerely, [Your Name] [Your Contact Information]