Comedians joke about babies having phone bills in their name, however there is some truth in those jokes. Sometimes you can end up a victim of identity theft before you are old enough to walk. This information is strictly for those victim to such extreme identity theft you are left with no recourse but to start over.
One of the most damaging identity theft is partial identity theft; meaning the person is using something like your social security number to open accounts and default on them. Due to the advances of technology someone using your social security number can now prevent you from obtaining a cell phone, turning on your electricity, opening a bank account or even filing for bankruptcy.
Unfortunately due to confidentiality clauses, if you attempt to open an account with a company using your social security number and someone has already done so the company cannot tell you who is using it. If you come across this issue, use the resources provided in my previous article to gather proof. You can also attempt to obtain information through the Chex system. Order a copy by calling ChexSystems at (800)428-9623 and following their automated instructions. Also, go to the Chex Systems website at http://www.chexhelp.com and follow the instructions there.
Once you have proof of the Identity Theft, you take these steps to file complaints.
Once you have gathered proof of the theft and the information being used is creating an ongoing burden and no action has been taken, you have a case to present to the issuing party (in this specific case I am discussing your Social Security number); take all of your proof to your local Social Security office and refer to this page on their site: http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/79/~/request-for-a-different-social-security-number
The page states this about issuing a new number:
How do I request a different Social Security number?
We do not routinely assign different Social Security numbers. Generally, only the following circumstances are used to assign a different number:
Sequential numbers have been assigned to members of the same family and are causing problems;
More than one person has been assigned, or is using, the same number;
An individual has religious or cultural objections to certain numbers or digits in the original number;
A victim of identity theft continues to be disadvantaged by using the original number; or
Situations of harassment, abuse, or life endangerment, including domestic violence, has occurred.
Ask for a supervisor. Be persistent. Most of all act as if your life depends on it.
If you are successful in obtaining a new number, your journey has just started.