“How could she be earning income when she was only one?” said McLemore, who worked for a nonprofit church group at that time and wanted the extra cash to pay for her children’s shots. A caseworker cleared Kenna’s name so benefits could go through.
Multiple calls to the Social Security Administration and the local police led nowhere. The unsettling revelation sank in eight years later after she reached out to an identity monitoring service.
Kenna, now eight, had accumulated $39,000 worth of debt and multiple credit-card accounts tied to three other people using her Social Security number.
How low can you go?
Let Prohm's Posse Ride: Georges, Georgios, 3sus, Hallice, Deonte, Abdel, Monte, Matt, and McKaT.
The gist of the article the OP posted was that most fraud with kids is a result of them not having credit profiles at all. Therefore their SSN can be associated with any name. One parent had a child's SSN associated with debt from 11 years before they were born.
I'm quite ****** on how any of this ends up the consumers fault. Yeah, I know they have the ss# etc. And you can't make it impossible for law abiding citizens to get credit etc. But honestly, it's the banks fault. OK, someone swiped my social security #. But all it takes is a little cross referencing to find out weather or not it's really the person who's applying. Hell, do the phone #s match the ones on the credit reports? Or how about the address? How do you give out a credit card or other loan to someone without verifying the address? Hell, I felt like I was jumping through hoops on my last car loan I took out and my credit score is above 800. It just never ceases to amaze me how banks are never responsible for anything that goes wrong. We end up paying for all of it.
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