A new guide from the California Attorney General is designed to help parents protect their children under the age of 16 from being the victims of identity theft.
The guide helps parents place a “security freeze” on credit records in their child’s name and is the strongest defense against certain types of identity theft.
Previously available only to California adults, the freeze option is now extended to children under the age of 16 as the result of a law that took effect in 2017.
“As parents and guardians, it is our duty to protect our children. Today that includes safeguarding their personal information from identity thieves,” Attorney General Xavier Becerra said in a statement. “A security freeze can shield our children’s identities from being exploited by unscrupulous thieves. We must protect our children from identity theft today, so that it does not drastically disrupt their lives tomorrow.”
“We’ve seen with recent worldwide hacking incidents millions of names, addresses, birth dates, medical information, and Social Security numbers stolen often from the most vulnerable members of our society, including from children and seniors,” said Assemblymember Jacqui Irwin (D-Thousand Oaks). “Parents now have one more tool to protect their children from identity theft and I’m incredibly thankful the Attorney General is issuing a consumer guide to make this process easier for the residents of California.”
Irwin authored Assembly Bill 1580 (AB 1580), which allows parents or other legal representatives to freeze a child’s credit records with the three major consumer credit reporting agencies. The law took effect early this year.
Last year, the number of identity theft victims reached a record high, leaping to more than 15 million adult victims (6 percent) in the United States. While it is difficult to know the incidence of child identity theft because it goes so long undiscovered, past studies have found that the rate for children is about the same as adults.
The new guide released today outlines steps Californians can take to place a security freeze on behalf of children. The guide, also available in Spanish, explains how the freeze works and provides specific instructions for placing a freeze with the credit bureaus.
Identity thieves seek out children’s untarnished personal records and use their personal information to take out credit and commit other types of fraud. Children’s identities can be exploited for years without notice because the crime is usually not discovered until a child reaches adulthood and pursues an apartment, a career, utilities, or other steps to financial autonomy that require a credit and background check.
Consumers who believe they are victims of identity theft will find resources including an Identity Theft Victim Checklist on the California Attorney General’s website at www.oag.ca.gov/idtheft/information-sheets. They can also file a complaint at www.oag.ca.gov/contact/consumer-complaint-against-business-or-company with the California Attorney General’s Office. Victims may also call 800-952-5225 or send a letter to California Department of Justice, Public Inquiry Unit, P.O. Box 944255, Sacramento, CA 94244-2550.