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  1. #1

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    Unhappy new problem

    although I'm not new here I haven't been on much lately partly due to the stupid flu outbreak and also problems with the husbands ex. A little info, in August we got custody of my husbands daughter who is 12. Her mother is a cocaine addict and nobody has heard from her in months. She lost her two kids and her home. Yesterday a new problem came up....I got the mail and low and behold this 12 year old has a $26,000 charge card debt. Seems her mother used her name to get this card. We have no idea when or what else is out there floating around. I tried to get a credit report but since she is under 13 they won't give us any information. Any suggestions?

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    Registered User FrugalMomof3's Avatar
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    Technically and legally this 12 year old SD is not liable for any of these debts, a person only get's a credit report established at the age of 18 and not before then, I would contact the creditor who issued the card about this situation, most likely if you told them she was 12 ad that their mother is the one who used falsifying information to obtain this CC they would feel dumb and take it as a loss. They can fight it but legally she is not responsible for this debt and neither is her father.

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    Registered User tigo's Avatar
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    FrugalMomof3 is right- minors can't enter into legally binding agreements like loans or credit cards. If the mom provided fraudulant info then they need to go after her. If you have proof it was the mom, you can file a police report and then send that to the credit card company. You might also consider contacting one of the companies dealing with identity theft (which is what this is) so that you can get help finding out what else is out there.
    Hugs

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    Registered User FrugalMomof3's Avatar
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    Also, who's SS# did she use? Most often CC companies will not issue a high credit limit to those with an un-established credit report, what's weird is IF the CC company pulled a Credit report they should have seen her date of birth had the mother used the 12 year olds SS#, thusly knowing the person was only 12.

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    I figured since she was minor she isn't liable but for that amount of money I wasn't sure. I did find out that when she was 2 her mother put the utilities in her name too and they ended up eating the amount owed. I thought it was strange that wit my sd's s.s. number that they would even give it to her but I have learned through this that they don't always check the number which is stupid on their end. So far there has been 5 different companies after her to pay for stuff that she has never even seen. This is just so wrong. No wonder there are kids out there getting into trouble with parents like this making them think it's ok. Thanks for listening.

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    Registered User FrugalMomof3's Avatar
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    I wouldnt worry to much she is a minor and there is nothing they can do to get her to pay, now they can go after the mother since she was living with the SD at the time and bill payments were probably address to their joint address, it's a shame a parent would do this to their child out of desperate measures, I hope everything turns out for the best and please keep us updated

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    McD
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    I would personally contact the police. This is credit card fraud and identity theft. Indentity theft can follow a person for the rest of their life. I'd call the police and ask their advice.

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    If you believe that your identity has been stolen:

    1. Contact the fraud department of one of the following 3 credit reporting agencies

    Equifax: 1-800-525-6285; [w ww.equifax.com ; P.O. Box 740241, Atlanta, GA 30374-0241

    Experian: 1-888-EXPERIAN (397-3742)w ww.experian.com ; P.O. Box 9532, Allen, TX 75013

    TransUnion: 1-800-680-7289; w ww.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

    and ask them to put a FRAUD ALERT on your credit report. The fraud alert tells creditors to contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports.

    File a report with your local police department.

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    Registered User sondance's Avatar
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    Found this too. Hope it helps

    If you think someone is using your child’s Social Security number fraudulently, you should file a complaint with the Federal Trade Commission by:

    * Internet—w ww.consumer.gov/idtheft;
    * Telephone—1-877-IDTHEFT (1-877-438-4338); or
    * TTY—1-866-653-4261.

    It is against the law to:

    * Use someone else’s Social Security number unlawfully;
    * Give false information when applying for a number; or
    * Alter, buy or sell Social Security cards.

  11. #10

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    Please do these steps immediately!! My niece had the same situation and it took her at least 2 years to have it corrected. In the meantime, she got nasty calls fromthe time she turned 18 from creditors. The sooner you can put a fraud alert on SD's SS# the better.

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    Thanks for all the info. It was a great help. I didn't knowyou could put an alert on your report. I tried all three credit agencies but since she is under 13 they can't put a fraud alert on her file. So I guess it's back to the lawyers and let him handle it. I do appreciate all the help. You guys are great. Maybe someday I can help you out too.

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    Well we finally found sd's mother after not hearing from her in almost 2 months. Seems she lost her job because she didn't show up half the time and now she is living with another guy. Her parents have pretty much washed their hands of her. The reason she hasn't called is that "it's too depressing". Funny she's not so depressed that she can't party all the time. It's way past the time where this almost 50 year old should grow up and realize she has two kids. (sd is 12 and her sb is 17 who she pretty mcuh just left at a friends house) Again thanks for all the help. I am still waiting too hear back on the credit card issue. Oh and winter is on it's way back. YUCK!

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    You have gotten some great advice -- hopefully you can get it straightened out. This happens quite a lot and its such a sad state of affairs.

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    Well the credit card company hasn't called back or mailed any more bills so hopefully it has been taken care of. If you remember waya back when this all started we were having a time with my SD testing the waters. Well after a lot of taking away privilages and allowance things have gotten somewhat better. Oh she forgets and slides once in awhile. She got in trouble in school ( of course she didn't do anything but it's always the other kids) nothing major but she found out that the school here doesn't tolerate not following rules.She has heard from her mother once since 12-01. Talked to her maybe 5 minutes. Her excuse is " It's too depressing talking to the kids." I just wanted to update everyone and thank you for all your help. You helped me keep my sanity or what's left of it anyway

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    The mother of the child is 50 and still doing drugs? If she keeps up this rollercoaster I don't see her living to a ripe old age. Thank God that you have custody of her daughter. I feel you are a good influence on her. No telling how the daughter would turn out if not for your intervention.

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