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How to Change Your Social Security Number in Case of Identity Theft by Parents

February 04, 2025Workplace3083
How to Change Your Social Security Number in Case of Identity Theft by

How to Change Your Social Security Number in Case of Identity Theft by Parents

In a concerning situation where a child's parents misuse their SSN without consent, it is imperative to take immediate action. Misuse of a Social Security Number (SSN) by parents can lead to severe consequences, including identity theft. This guide outlines the steps to address and potentially change the SSN if your parents continually use it maliciously.

Understanding the Legal Framework and Steps to Take

Firstly, it's crucial to document any incidents of identity theft, especially if your parents are misusing your SSN for unauthorized activities like opening accounts. Once evidence is collected, the Social Security Administration (SSA) can consider changing your SSN.

Approach the local Social Security office as a first step. However, obtaining a new SSN is not guaranteed, as the SSA may not issue a new number at the request of a child against the wishes of the parent. An alternative solution is to contact the local police, as this may be viewed as a criminal issue.

The Process of Change

Should the SSA agree to change your SSN, ensure that all data under your old SSN is transferred to the new one. This will prevent future issues when applying for benefits. Here are the key points to remember:

Victimization Documentation: Present any evidence of identity theft, such as letters from creditors or police reports, to the SSA. Data Transfer**: The SSA will port all data from your old SSN to the new one to ensure continuity in benefits and financial records.

However, it's important to note that the credit reporting agencies will list both your old and new SSNs on your credit report. While your new SSN will be used for future credit inquiries, the old number may still be visible to creditors. This can complicate credit applications and cause potential issues with creditors when they see two SSNs on your credit report.

Preventive Measures and Security Freeze

To reduce the risk of further misuse, consider placing a security freeze on your credit reports. This freeze will prevent creditors from accessing your credit history, even if they have your SSN. Here’s how you can proceed:

Contact the major credit reporting agencies (Experian, Equifax, and TransUnion). Create a PIN number to use when you want to unfreeze your credit. This number is critical, so choose one that your parents cannot easily guess. Avoid using personal information such as your birthday. Communicate your request for a security freeze to the credit bureaus, ensuring you have all necessary documentation ready.

Placing a security freeze on your credit is a proactive step that can significantly reduce the risk of identity theft. Without your PIN, no credit-related actions can be taken, and no new accounts can be opened in your name.

Reporting the Crime

Given the severity of the situation, it’s essential to report this crime to both the Social Security office and the police. Here are the steps to follow:

File a report with the police to document the charges of identity theft. This can result in severe consequences, including arrest, trial, and possible jail time for the parents. Inform the Social Security office about the incidents and request to change your SSN if necessary. Document all communications and make sure to keep a record of any correspondence.

By taking swift and decisive action, you can mitigate the risks associated with identity theft and protect your financial and personal information.

Contacting Credit Bureaus for Security Freeze

To place a security freeze, follow these steps:

Contact the major credit reporting agencies immediately to initiate the process. TransUnion, Experian, and Equifax each have their own procedures and numbers to reach them. Choose a PIN that is not easily guessed by your parents. For example, do not use common dates or numbers they might know. Provide necessary documentation, such as a valid government ID, proof of identity, and any evidence of identity theft.

By taking these steps, you can secure your credit and prevent further unauthorized activities related to your SSN.

Conclusion

Identity theft is a serious issue, especially when it's committed by a parent against their child. Taking immediate and assertive action is crucial to protect your SSN and your future financial well-being. Utilize the resources available and take steps to secure your credit reports to ensure you are not further exploited.

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