Idaho Letter to Creditors Notifying Them of Identity Theft of Minor
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How to fill out Letter To Creditors Notifying Them Of Identity Theft Of Minor?
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FAQ
If you report your identity theft to the FTC within two business days of discovering it, you will only be liable to pay $50 of any unauthorized use of your bank and credit accounts (under federal law). The longer you leave it, the more that financial liability falls on your shoulders.
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 three credit bureaus. You can find out if your child may be a victim of identity theft by contacting the three major credit bureaus.
Child identity theft occurs when someone uses a minor's personal information, such as name, date of birth or Social Security number to fraudulently gain credit or other benefits. Creditors do not verify age of applicants.
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.
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.
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.
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.
