Letter to Creditors Notifying Them of Identity Theft of Minor for New Accounts 2025

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It is important to check whether your child has a credit report. The credit reporting agencies do not knowingly keep credit files on minors. Therefore, contacting the credit reporting agencies to confirm your child does not have a credit file will likely mean that he/she has not been a victim.
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.
In fact, children under the age of 18 can also become victims. Child identity theft happens when someone uses a minor childs personal informa- tion, such as name and Social Security number, usually to obtain credit or employment.
Check if your child has a credit report your drivers license or other government-issued identification card. proof of your address, like a utility bill, or a credit card or insurance statement. your childs birth certificate. your childs Social Security card.
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.

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The thief [made a fraudulent transaction/opened a fraudulent account] in my name with your company. In ance with section 609(e) of the Fair Credit Reporting Act, 15 U.S.C. 1681g(e), I am requesting that you provide me copies of business records relating to the fraudulent [transaction/account] identified above.

sample letter for identity theft