When Parents Commit Identity Theft
Some Identity Theft Crimes Are Uglier Than Others
As a parent, you're supposed to protect your children. That's what makes it so horrendous and ugly when parents commit identity theft. And I'm not talking about identity theft of some random individual -- I'm talking about identity theft of their very own child. Think it doesn't happen? Guess again.
An Ugly Situation
A 30-something male I know was quite surprised when he was recently denied credit. The reason? Unpaid bills and delinquent accounts. The thing is, this guy is really careful with money and never leaves a bill unpaid.
So, if this guy pays his bills on time, how is it that there were 3 credit cards and a car loan (all delinquent) on his credit report? Accounts he never even knew existed? The answer to these questions has to do with a very low, very disgusting and very ugly form of identity theft.
The Name Factor
It's not always easy to commit identity theft, however, if you have the same name as the person who wants to steal your identity, it makes the crime much, much easier. Unfortunately, when those without morals give their children their very own name, it opens the door for an ugly opportunity.
My friend who I mentioned above is a junior, his father having the same name as him. Which is why it was so easy for his father to use his identity to get credit after he'd trashed his own credit rating. Using his photo id, but my friend's social security number, this man was able to take out loans using his son's name.
It's Even Harder
As if being the victim of identity theft isn't bad enough, having your very own parent commit the crime must make it almost unbearable. Not only do you have to deal with the fact that your parent would do such a thing, you have to report your parent to the authorities if you have any hopes of clearing up your credit report.
For Those Who Have Suffered
For those identity theft victims who can relate to this scenario, remember, this is not your fault and you should never feel bad about reporting your parent to the police. It's not uncommon to feel guilt in this situation. Just remember, your parent had no problem stealing your identity. You shouldn't feel bad about making them face the consequences of their identity theft activities.