HEADLINE:CONGRESS MUST STOP “CHILDREN IDENTITY THEFT” PREDATORS NOW!
America’s New Predators Are Now Using CPN’s (Credit Privacy Numbers) To Evade and Skirt Existing Federal and State Laws to Steal Children’s SSN.
Plano, Texas - Just when you thought “Identity Theft Criminals” could not get any lower than stealing dead people’s identities, they have now sunk to a new low in stealing “Children Identities”.This attack on “America’s Children” is a new form of greed and exploitation by criminals, which targets the very people who cannot defend themselves or stop these parasites from destroying their future financial security.This scheme (CPN’s - Credit Privacy Numbers) could create a major threat to the national credit system which is currently being policed by the three major credit bureaus (Experian, TransUnion and Equifax).
Our organization has been working on a federal law since November, 2006 to protect our children. Since 2006, there has been no support in Congress to protect our children from this devastating crime.Since the financial meltdown of “Wall Street”, the housing market collapse (Freddie Mac and Fannie Mae) in 2008, the hope of getting this law passed has been impossible for the past eighteen months.
Our organization has drafted a legislative bill entitled, “The Children’s Identity Theft Protection Security Act of 2010”.We are forwarding this proposal to Senator John Cornyn (TX), Senator Kay Bailey Hutchinson (TX), Congressman Pete Sessions (TX) and Congressman Sam Johnson (TX) for final drafting so it can be voted on and passed during the fall session of Congress in 2010.It is imperative that this legislation is passed immediately to protect “America’s Children”.
We are also sending the contents of this press release directly to the fifty state governor’s office’s to gain support across America for this federal law.
The following information is an excerpt from the draft of this legislative bill.
“Current proof of identity requirements used by the three national credit bureaus for children under fourteen (14) will be used.All credit bureau files on children under eighteen (18) will have a statement, “Credit Bureau File Frozen Due to Federal Legislation”.Parents, who have children under sixteen (16) can only access the files to change addresses, phone numbers, and other identifying information.Children between sixteen and eighteen years old can only have driver’s license information and work history added (No Exceptions).Credit bureaus will notify each parent or child three months in advance of their eighteenth birthday to let them know of the pending status change in their credit bureau files.Credit Bureau Freeze will be automatically removed on the anniversary of the child's eighteenth birthday (Legal Age of Consent)”.
However, with this latest “Children Identity Theft Scam” involving CPN’s, we must move quickly in order to “Protect America’s Greatest Assets, Our Children and Grandchildren”.Our original language for this federal law will be changed to reflect this latest threat.
When someone uses stolen identities for profit or for work purposes in America, they become “Identity Thieves” which in turn makes them a “Federal Criminal”.Make no mistake, “Identity Theft Is A Federal Crime, Not A Short-Cut To The American Dream”.
If you think by using these CPN’s (Credit Privacy Numbers) is going to keep you out of jail, you need to read the following law.
The Identity Theft and Assumption Deterrence Act of 1998
“The Identity Theft and Assumption Deterrence Act of 1998 which became effective October 30, 1998, makes identity theft a Federal crime with penalties up to 15 years imprisonment and a maximum fine of $250,000. It establishes that the person whose identity was stolen is a true victim. Previously, only the credit grantors who suffered monetary losses were considered victims. This legislation enables the Secret Service, the Federal Bureau of Investigation, and other law enforcement agencies to combat this crime. It allows for the identity theft victim to seek restitution if there is a conviction.
It also establishes the Federal Trade Commission as a central agency to act as a clearinghouse for complaints, (against credit reporting agencies and credit grantors) referrals, and resources for assistance for victims of identity theft. This statute may serve as a model for your state to enact similar legislation. It should also provide you leverage to influence law enforcement to investigate your case”.
Here is an explanation of what documents are covered and the penalties under this federal law.
You are subject to the penalties set forth in the “IDENTITY THEFT AND ASSUMPTION DETERRENCE ACT” listed below. “Note that under the Act, a name or SSN is considered a "means of identification.” So is a credit card number, cellular telephone electronic serial number, driver’s license number, bank account numbers or any other piece of information that may be used alone or in conjunction with other information to identify a specific individual.
In most instances, a conviction foridentity theft carries a maximum penalty of 15 years imprisonment, a fine and forfeiture of any personal property used or intended to be used to commit the crime. Schemes to commit ID Theft or fraud also may involve violations of other statutes, such as credit card fraud; computer fraud; mail fraud; wire fraud; financial institution fraud; or Social Security fraud.
Each of these federal offenses are a felony and carries substantial penalties - in some cases, as high as 30 years in prison, fines and criminal forfeiture.”
So if you think by buying ones of these “CPN” numbers, you can boost your credit score to 700 or 800 so you can buy a car or house on someone else’s identity, you had better think twice.
Federal criminals don’t get time off for good behavior; you serve the entire prison sentence. Our organization is currently fighting this “Identity Theft War” on three fronts.The first is the recent crime outbreak involving “CPN’s”, which could destroy our children and grand children’s financial future.The second one is the exploitation of millions of American citizens and legal residents “Identities”, involving both “Identity Theft” and “Illegal Immigration“(Identities Stolen By Illegal’s Immigrants and Used For Work Purposes).
Unfortunately the third front also includes children.These children are being exploited by their illegal parents by taking over their American born children’s identities.They use these identities to blend into the American culture and by the time their children are seven or eight years old, they have obtained credit cards, autos, homes and other financial instruments.This is to make everyone who knows them, think they are American citizens.Unfortunately, the children born in America in the late 1980’s and early 90’s are now (2010) finding the dirty secrets of their parents. This is when they discover they cannot get a student loan for college or get a driver’s license because they have already been used.
How does this happen so easily?The parents name their children the same names of the parents except for the middle name.The middle name is different but the middle initial is the same (i.e., Ramon, Roberta).
We need your help and financial support to help protect America’s children.We cannot do this alone.Please contact us via E-Mail to:
We will give you the details how you can contribute to this national campaign.
I know everyone is struggling with both personal and business losses from the financial meltdown and also the losses of a job, but if we do not act quickly on this federal law, your own children or grandchildren could suffer the consequences of your lack of action.Thank you and God Bless America!
In an article written byRonald W. Mortensen (Center For Immigration Studies), June 2009, he highlighted the dangers of “Identity Theft” when you mix this volatile crime with “Illegal Immigration.This is a direct quote and excerpt from his article:
“Illegal immigration and high levels of identity theft go hand-in-hand. States with the most illegal immigration also have high levels of job-related identity theft. In Arizona, 33 percent of all identity theft is job-related (as opposed to identity theft motivated simply by profit). In Texas it is 27 percent; in New Mexico, 23 percent; in Colorado, 22 percent; California, 20 percent; and in Nevada, 16 percent. Eight of the 10 states with the highest percentage of illegal aliens in their total population are among the top 10 states in identity theft (Arizona, California, Florida, Texas, Nevada, New York, Georgia, and Colorado).
Children are prime targets. In Arizona, it is estimated that over one million children are victims of identity theft. In Utah, 1,626 companies were found to be paying wages to the SSNs of children on public assistance under the age of 13. These individuals suffer very real and very serious consequences in their future lives (Source:Center for Immigration Studies, article “Illegal, but Not Undocumented: Identity Theft, Document Fraud, and Illegal Employment, By Ronald W. Mortensen, June 2009).See link below:
According to the Federal Trade Commission, 400,000 children a year have their “Identity’s” stolen.In an NBC news story in Dallas, Texas on March 3rd, 2005, “a 10 year old, 4th grader already had an extensive credit history.She had 17 credit cards, in which she racked up thousands of dollars on her American Express and had been approved for a $42,000 loan.She is deep in debt and has been since she was just five.The thief was caught and sent to jail for six months.The thief was her mother”.
Every child born in America after nineteen eighty (1980), is at risk with this devastating crime.Unfortunately, sometimes these thieves are their own parents.Currently, with four out of five marriages ending up in divorce court each year, the chances of either parent using their children’s social security number to open up lines of credit goes up dramatically.Coupled with the financial strain of divorce, most “Parent Thieves” state, “I did it because I had to; I had no one else to turn to”. However, the thief is not always the parents or a family member.The same explosion of data breaches that has exposed millions (97,215,589 million – 2/15/2005 through 11/13/2006, Source:Privacy Rights Clearinghouse) of “American Consumers” records containing sensitive personal financial data to “Identity Thieves”, is also affecting our children.
How bad is “Identity Theft”?
When the Federal Trade Commission (FTC) started tracking this crime in the fall of 1999, there were approximately fifty thousand victims.Since that time, I have watched the numbers climb year after year.According to the cumulative statistics of the FTC, as of December 31, 2009, there is an estimated seventy to eighty (70,000,000 to 80,000,000) million “Victims of Identity Theft” in the United States.This does not include the estimated three hundred and sixty million (360,000,000) records exposed through “Security Breaches”.Nor does it include the estimated four hundred thousand “Children Identity Theft Victims” per year since 2003.
According to the FTC in September 2003, the financial losses to the business community and to the American consumer were between FORTY and FIFTY BILLION DOLLARS ($40,000,000,000 - $50,000,000,000).The amount of these losses could have paid for the recent funding for the “Unemployment Extension of Benefits” without adding to the deficit. As parents you ask, how can someone know about my kids, their social security account numbers and their birth dates?America; your children’s social security number is worth ten of thousands of dollars, when they are in the hands of thieves. If your children have and use a social security card, driver's license (16 years old and up), identity card (for under 16 years of age or non-driver's), or savings accounts, you have the risk of becoming a "Victim of Identity Theft". Banks have your children’s information when they open up a “Christmas Club Savings Account” (Future Customer).You use their information when you enroll your children for family health coverage through your employer.Your doctor or hospital wants the same information, not only on your children but on you as well (Responsible Party).You give your children’s information every year on your tax return (Remember VA Security Breach, May 2005, 26.5 Million Veteran Files Stolen).Your children’s information is also in school records.
How many parents or schools teach personal financial responsibility to fourteen year olds?Did you know as a parent that your child can run his own credit reports when he/she is fourteen?How many fourteen year olds do you know that ask this question, “Mom or Dad, I need to run my credit report”?
Your children between birth and 18 years old (“The Sleeping Giant of Identity Theft”), can have their SSN stolen and used for 16 or 17 years (Driving and Working Age) before anyone really starts using it. You Ask How?This statement comes from the Social Security Administration Web Site:
"It is a good idea to get the number when your child is born. You can apply for a Social Security number for your baby when you apply for your baby's birth certificate. The state agency that issues birth certificates will share your child's information with us. We will mail the Social Security card to you”.
To protect our children’s "Identity", Congress needs to pass legislation to have the three national credit bureaus set up accounts from birth. These accounts would be frozen automatically until their eighteenth (18th) birthday. It is a sad state of affairs when we can transmit credit card data around the world in seconds but we can not verify the identity of the person in front of us. "Identity Thieves" have done this country a big favor. Their successes in committing these crimes have highlighted how the security loopholes of 9/11 still remain. Everyone has forgotten that the terrorists of "9/11" came into this country with at least five (5) different fake personas (Source: 9/11 Congressional Report).
The downfall of a nation does not come from outside its borders, it comes from within.How we address this “Internal Terrorist Threat” of “Identity Theft”, could determine the future of this nation.The time has come to use the technology resources this country has been blessed with.
Don’t forget our children’s future and peace of mind is in our hands now.Depending on what we do today, this could very well determine what kind of financial security we leave to our children, to pass on to future generations.
Thank you and God Bless America!
Lawrence (Larry) E. Wilson Founder & Executive Director Identity Theft Victims Support Group of North America Identity Theft Victims Support Group of North Texas Identity Theft Victims U.S.