ʻAhue ʻike keiki a me ka faila hōʻaiʻē synthetic manuahi¶

I ka ʻike ʻana e loaʻa ana kāu keiki 4 makahiki a 12 makahiki paha i nā makana kāleka hōʻaiʻē i ʻāpono ʻia, nā kelepona ʻohi aie, Internal Revenue Service (IRS) nā leka hoʻomaopopo uku, a i ʻole nā bila pani pani ma ka leka uila, a i ʻole ka ʻike ʻana i ka piha ʻana o kāu ʻōpio i ka makahiki 18 a noi i kā lākou hōʻaiʻē haumāna mua a i ʻole hoʻolimalima hale i hoʻopau ʻia kā lākou helu ʻaiʻē e $80,000 i nā hōʻaiʻē kaʻa i hoʻopaʻa ʻole ʻia, he pilikia pili kālā ʻohana. No ka helu mālama ola o kahi keiki liʻiliʻi (SSN ma ʻAmelika Hui Pū ʻIa), Helu Inikua Social (SIN ma Kanada), a i ʻole Helu Inikua Lahui (NIN ma United Kingdom) ʻaʻohe moʻolelo hōʻaiʻē e pili ana iā ia, ʻaihue nā hui hewa i nā helu o nā keiki mai ka mālama olakino, apana kula (PowerSchool), a ua haki ka ʻikepili aupuni ma mua o nā mea ʻē aʻe. Hoʻohui ka poʻe lawehala i ka SSN 9-helu maoli o kahi keiki me kahi inoa makua i hana ʻia a me ka makahiki hānau 1985 hoʻopunipuni e hana i kahi Synthetic Identity ("Frankenstein Identity"). Ma muli o ka nānā ʻana o nā kikowaena noi aie panakō ma ka mōʻaukala inā he ʻoiaʻiʻo ka SSN 9-helu a ʻaʻole i nānā i ka waihona lā hānau o ka Social Security Administration ma mua o ka hoʻokumu ʻana i kahi poʻomanaʻo hōʻaiʻē hou, hiki i ka mea hoʻopunipuni synthetic ke kūkulu mālie i ka helu ʻaiʻē 750 ma ka SSN o kāu keiki ma mua o ʻelima mau makahiki a laila "hoʻopau ʻia" ma ka hoʻonui ʻana i nā kāleka hōʻaiʻē he ʻumi me ka makaʻala.

Inā pili ka ʻaihue ʻike i ka haki ʻana i ka home, ka hoʻoweliweli ʻana i ka ʻaihue kino, a i ʻole ka ʻaihue ʻana i kou ʻohana, e kelepona i kāu helu pilikia kūloko (911 ma ʻAmelika Hui Pū ʻIa a me Kanada, 112 ma waena o ka European Union, 999 ma United Kingdom) a i ʻole e nīnau i kā mākou papa kuhikuhi o ka honua helu pilikia koke. No nā hihia āpau o ka ʻaihue ʻike keiki liʻiliʻi, ka hōʻike hewa ʻana i ka ʻikepili kula, a i ʻole ka pale ʻana i ka hōʻaiʻē keiki, e hahai i ka hoʻomaʻemaʻe kānāwai 6-step a hoʻokuʻu i ka holo hana ma lalo.

E hana i kēia i kēia manawa¶

1. ** Mai hoʻohana i nā palapala "E nānā i kāu hōʻike hōʻaiʻē" ma ka pūnaewele (AnnualCreditReport.com) no ke keiki liʻiliʻi ma lalo o ka makahiki 18**: Ke paʻi ʻana i ka SSN o kahi keiki liʻiliʻi a me ka inoa i loko o kahi pūnaewele hōʻaiʻē kanaka makua a i ʻole ka polokalamu nānā ʻaiʻai hiki ʻole ke hana i kahi faila hōʻaiʻē hana hou no kahi keiki i loaʻa ʻole, a i ʻole me ka hewa hōʻoia ʻike. Akā, e hoʻohana i ka Minor Child Manual Inquiry / Child Identity Thift Portal (Equifax, Experian, a TransUnion).
2. ** hoʻomaopopo i ke kānāwai gula o nā faila aie liʻiliʻi: ʻaʻole pono e loaʻa i kahi keiki ma lalo o 16 makahiki ʻaʻohe hōʻike hōʻaiʻē**: ke ʻole ʻoe e hoʻohui i kāu ʻōpio ma ke ʻano he mea hoʻohana mana ma kāu kāleka hōʻaiʻē ponoʻī, inā ʻike ʻo Equifax, Experian, a i ʻole TransUnion kekahi faila aie i pili i ka helu mālama ola o kāu keiki, ʻoiai inā ʻaʻole ʻike ʻia ka inoa a me ka lā hānau ma kēlā faila no kahi keiki makua ʻole, ʻaʻole ʻike ʻia. ** ʻAhue Identity Synthetic** a i ʻole ** Hoʻopunipuni / Hoʻopunipuni ʻaiʻē **.
3. ** Waiho i ka Federal Trade Commission Identity Theft Report ma IdentityTheft.gov (a i ʻole ka ʻāina like) ma ka inoa o kāu keiki A e loaʻa i kahi hōʻike Makai kūloko**: E hoʻokomo i ka ʻike o kāu keiki ma ke ʻano he mea i pepehi ʻia ma IdentityTheft.gov (ʻAmelika Hui Pū ʻIa) e hana i kahi FTC Identity Theft Affidavit, a lawe i kēlā ʻōlelo hoʻohiki i kāu keʻena mākaʻi kūloko e loaʻa kahi Police Incident Report Number. Ma lalo o ka Fair Credit Reporting Act (FCRA § 605B, 15 U.S.C. § 1681c-2), koi ʻia nā ʻoihana hōʻaiʻē e ālai a hoʻomaʻemaʻe i nā moʻokāki hoʻopunipuni a pau i loko o 4 mau lā ʻoihana ma hope o ka loaʻa ʻana o kahi hōʻike ʻaihue ʻike pono.
4. E leka i ka ʻeke "Minor Child Protected Consumer Security Freeze" i nā ʻoihana ʻaiʻē ʻekolu (Equifax, Experian, a TransUnion): Ma lalo o ke kānāwai federal (Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018, FCRA § 605A(j), 15 U.S.C. § 1681c-1(j)), nā mākua a me nā kahu mālama kānāwai ma kēlā me kēia mokuʻāina ʻo US ke kuleana piha e kau i kahi 100% Free "Protected Consumer Security Freeze" ma kekahi keiki ma lalo o ka makahiki 16. ʻOiai inā loaʻa i kāu keiki i kēia manawa he zero faila hōʻaiʻē, koi ʻia nā bureaus e ke kānāwai pekelala e ** hana i kahi faila dormant, laka ʻia a hoʻopaʻa koke iā ia ** no laila ʻaʻole hiki i ke keiki hewa ke wehe i ka ʻaoʻao SN1 synthetic a i ʻole. unfreezes ia me kā lākou PIN.
5. E koi i ka hoʻomaʻemaʻe piha ʻana i ka faila hōʻaiʻē hoʻopunipuni (ʻaʻole hoʻopaʻapaʻa kanaka makua wale nō) inā he keiki ʻuʻuku kāu keiki: No ka mea ʻaʻole hiki i kahi keiki ʻuʻuku ke komo i loko o kahi ʻaelike hōʻaiʻē paʻa i ka wā mua, ʻaʻole pono ʻoe e launa pū me nā ʻohi ʻaiʻē pākahi ma luna o nā koina pākahi. E hoʻouna i kahi leka leka i hōʻoia ʻia i nā Keʻena Hoʻopunipuni o Equifax, Experian, TransUnion, a me kēlā me kēia mea hōʻaiʻē i helu ʻia e ʻōlelo ana: *"He keiki liʻiliʻi ka mea nona ka helu Social Security [XXX-XX-XXXX] he keiki liʻiliʻi i hānau ʻia ma [Lā] (Pepa Hanau i hoʻopili ʻia) ʻaʻole i hiki i ke kānāwai ke ʻaelike. Ua hana ʻia ma lalo o ka FCRA § 605B ke kūʻai aku i nā faila a pau.
6. E nānā i ka palapala ʻauhau IRS a kāu keiki (Form 4506-T) a me Social Security Loaʻa moʻolelo (ssa.gov) no ka Hoʻopunipuni Hana: ʻAʻole no nā kāleka hōʻaiʻē ka hapalua o ka ʻaihue SSN keiki, no Ka Hana Hana Pakeke / Hoʻopunipuni Uku (ke hoʻohana ke kanaka makua ʻae ʻole i ka SSN maʻemaʻe o kāu keiki ma kahi I-9 / W-4 e hana i kahi hana, e hōʻiliʻili i ka ʻauhau kālā IRS ʻole i uku ʻole ʻia W-2 nā moʻolelo ma lalo o ka SSN o kāu keiki) a i ʻole Tax Refund Fraud (ke koi nei kekahi i kāu keiki he mea hilinaʻi ma mua o kou waiho ʻana i kāu ʻauhau).

lāʻau hoʻoholo: nānā, hoʻomaʻemaʻe, a hoʻopaʻa i ka ʻike o kahi keiki liʻiliʻi¶

E hāhai i kēia papa kuhikuhi hoʻāʻo hoʻāʻo e hoʻopaʻa i ka SSN o kāu keiki, e hoʻopau i ka hoʻopunipuni synthetic a i ʻike ʻia paha, a laka i kā lākou faila ma nā keʻena āpau:

flowchart TD
    A["Hōʻike ʻia ʻo SSN keiki ma ka haʻihaʻi ʻana, i loaʻa i ka leka i ʻae ʻia a i ʻole ka hoʻoia ʻana o nā mākua"] --> B["E hōʻiliʻili i ka Pakeke Hōʻoiaʻiʻo Mākua: ID makua, hōʻoia o ka helu wahi, palapala hānau keiki a me ke kāleka SSN keiki"]
    B --> C["E hoʻouna i ka nānā ʻana i ka faila hōʻaiʻē keiki liʻiliʻi a me ka noi hoʻokuʻu iā Equifax, Experian & TransUnion"]
    C --> D{"Ua loaʻa anei i kekahi keʻena hōʻaiʻē kahi waihona hōʻaiʻē ma lalo o ka SSN o kāu keiki?"}
    D -->|"ʻAʻohe faila i loaʻa (SSN maʻemaʻe)"| E["Hoʻokumu nā Bureaus i ka faila 'Protected Consumer' Dormant & Lock it with Security Freeze under FCRA § 605A(j)"]
    E --> F["E mālama i nā leka hōʻoia a me nā PIN 3 Bureau Freeze i kahi palekana ahi a hiki i ka makahiki o ke keiki he 16-18."]
    D -->|"ʻAe: Loaʻa ka faila ma lalo o ka inoa o ke keiki a i ʻole ka inoa makua o ka malihini (Synthetic ID)"| G["1. Waiho i ka FTC Identity Theft Report ma IdentityTheft.gov + Local Police Report"]
    G --> H["2. E hoʻouna iā FCRA § 605B 4-La Block & Minor Incapacity Purge Packet ma o ka leka i hōʻoia ʻia i nā ʻoihana 3 āpau."]
    H --> I["3. E hoʻouna i ka palapala hoʻohiki hoʻopunipuni a me ka palapala hānau keiki i kēlā me kēia mea hāʻawi kālā / pono / ʻohi aie."]
    I --> J["4. E nānā i ka moʻolelo kālā loaʻa mālama mālama ola a me ka waihona IRS Form 14039 (Identity Theft Affidavit) no W-2 / Tax Fraud"]
    J --> K["5. Hoʻokuʻu i ka ChexSystems & NCTUE (Utility/Telecom Exchange) + Laka i ka waihona aie a ke keiki mau loa."]

ʻO ka hoʻomaopopo ʻana i ka "Theft Identity Synthetic" vs. Traditional Child Identity Theft¶

No ke aha ʻaʻole e hopu ka nānā ʻana i ka ʻaiʻē makua maʻamau i ka ʻaihue ʻike keiki? ʻO ka hoʻomaopopo ʻana i nā ala like ʻole ʻelua e hoʻohana ai ka poʻe lawehala i ka helu mālama ola o kahi keiki e wehewehe i ke kumu e koi ʻia ai ka hana lima makua.

No ke aha i loaʻa ʻole ai i ka Social Security Administration eCBSV Ua ho'ōki loa i ka ʻaihue Synthetic Identity?¶

I ka makahiki 2018, ua hoʻoholo ka US Congress i ka pauku 215 o ka Economic Growth, Regulatory Relief, and Consumer Protection Act, e kauoha ana i ka Social Security Administration (SSA) e kūkulu i ka Electronic Consent-Based Social Security Number Verification (eCBSV) ʻōnaehana i hiki i nā panakō ke nānā i ka manawa maoli inā pili maoli kahi SSN 9-helu i ka inoa pololei o ka mea noi a me ka lā hānau ma ka haku o ka SSA Numident waihona waihona.

ʻOiai eCBSV ola, ʻelua puka nui i koe i kēia lā: 1. Ke hoʻohana nei eCBSV he koho no nā mea hāʻawi kālā a lawe i nā uku no kēlā me kēia nīnau; nā tausani o nā mea hāʻawi kālā liʻiliʻi, kūʻai-i kēia manawa-uku-ma hope (BNPL) nā polokalamu, nā mea lawe kelepona, a me nā mea hoʻolako pono ** ʻaʻole ** holo i kahi eCBSV e nānā i ka waihona SSA ma mua o ka hoʻopuka ʻana i ka hōʻaiʻē. 2. ʻO kēlā me kēia faila ʻike synthetic i hana ʻia i loko o Equifax, Experian, a i ʻole TransUnion *ma mua o ka lawe ʻia ʻana o kahi panakō. eCBSV noho kupunakane i loko o nā waihona ʻikepili o ka ʻoihana hōʻaiʻē a hiki i kou makua, e hoʻoikaika i kahi Protected Consumer Security Freeze ma lalo o FCRA § 605A(j).

Māhele 1: Pehea e hōʻuluʻulu ai i kāu "Parent Proof Packet" a hoʻokuʻu i ka hōʻaiʻē o kāu keiki ma nā keʻena ʻekolu.¶

No ka mea, ʻaʻohe o nā keiki ma lalo o ka makahiki 16 i nā palapala laikini kaʻa a i ʻole nā moʻolelo hōʻaiʻē i loaʻa e hoʻoholo i kahi kuʻina ʻike koho lehulehu ma ka pūnaewele, ke kānāwai federal (15 U.S.C. § 1681c-1(j)) koi i nā mākua a i ʻole nā kahu mālama kānāwai e hoʻouna i kahi ** Protected Consumer Security Freeze Request ma ka leka uila** (ʻoiai e hāʻawi pū ana ʻo Equifax, Experian, a me TransUnion i nā palapala noiʻi liʻiliʻi e paʻi a hoʻopili).

KaʻAnuʻu Hana 1: E hana 3 kope kope o kāu "Parent & Child Proof Packet"¶

Mai leka uila i kāu palapala hānau kino a i ʻole kāleka mālama ola kino. E hana ** ʻekolu pūʻulu paʻi paʻi pepa maʻemaʻe** (hoʻokahi no Equifax, hoʻokahi no Experian, hoʻokahi no TransUnion) i loaʻa kēia 4 mau ʻano o nā palapala:

1. Hōʻoiaʻiʻo o ka makua/mākua (Hāʻawi mai 1 i 2 kope):
   • Hoʻomaʻemaʻe kope o kāu (a ka makua) pono Ka Laikini Kaʻa Mokuʻāina, Kaleka ID Mokuʻāina, a i ʻole Palapalapala.
   • Hoʻomaʻemaʻe i ke kope o kāu Social Security Card (koi ʻia e Experian a me Equifax no ka wikiwiki ʻana i nā mākua).
2. E hōʻoia i ka helu leka uila o ka makua i kēia manawa (inā ʻokoʻa mai ka Laikini Kaʻa, a i ʻole he hōʻoia ʻelua):
   • Kope o ka Utility Bill (electric, gas, water), Bank Statement, or Homeowners/Renters Insurance Policy e hōʻike ana i kou inoa piha a me kou helu wahi alanui o kēia manawa.
3. E hōʻoia i ka ʻike o ke keiki liʻiliʻi (e hāʻawi i nā mea ʻelua):
   • Kope paʻi akaka o ka Pepa Hanau Manau o ke Keiki.
   • Hoʻomaʻemaʻe i ke kope o ka Kāleka Hoʻomalu Ola o ke keiki.
4. Ka hōʻoia o kou mana kānāwai e hana no ke keiki:
   • Inā ʻo ʻoe ka makua ola a i ʻole ka makua hānai i kapa ʻia ma ka palapala hānau o ke keiki: ʻO ke kope o ka Pepa Hanau o ke keiki (e hōʻike ana i kou inoa piha kānāwai ma ka pahu makuahine/makua/makua) e hoʻokō pono i kēia koi. (Inā hoʻololi ʻia kou inoa hope ma muli o ka male ʻana a i ʻole ka hemo ʻana mai ka wā i hoʻopuka ʻia ai ka palapala hānau, e hoʻopili i kahi kope o kāu palapala male male a i ʻole ka hoʻololi ʻana i ka inoa.
   • Inā he Kiaʻi Kānāwai ʻoe, Mākua Hanai, a i ʻole Conservator: Hoʻopili i kahi kope o ka Court Order of Guardianship, Foster Care Placement Documentation, a i ʻole Power of Attorney.

KaʻAnuʻu Hana 2: Leka i ka Paʻi Paʻa a me ka File-Check Packet i nā 3 Nationwide Credit Bureaus¶

E hoʻokomo i kahi leka hoʻokipa pōkole i kākau ʻia (a i ʻole kēlā me kēia ʻoihana i paʻi ʻia i ka Minor Freeze Request Form) e hōʻike maopopo ana:

"E like me ka Fair Credit Reporting Act, 15 U.S.C. § 1681c-1(j), ʻo wau ka makua a me ka luna kānāwai o ke keiki ʻuʻuku i kapa ʻia ma lalo nei (ma lalo o 16 makahiki).XXX-XX-XXXX). Inā loaʻa kekahi faila hoʻopunipuni a i ʻole tradeline, e hoʻouna koke mai iaʻu i kope piha o ka faila i hiki iā mākou ke holoi ma lalo o FCRA § 605B. Inā ʻaʻohe faila, e ʻoluʻolu e hana i kahi moʻolelo Protected Consumer a kau i kahi ** Protected Consumer Security Freeze ** ma ka helu mālama ola o kaʻu keiki (XXX-XX-XXXX)."

E hoʻouna i hoʻokahi ʻeke i kēlā me kēia o nā keʻena ʻekolu ma lalo nei (me ka hoʻohana ʻana i ka USPS Certified Mail i loaʻa iā ʻoe ka hōʻoia ʻana o ka hoʻouna ʻana):

Māhele 2: He aha ka mea e hana ai inā loaʻa i nā keʻena nā moʻolelo hoʻopunipuni a i ʻole kahi Synthetic Identity ma ka SSN o kāu keiki¶

Inā pane ʻo Equifax, Experian, a i ʻole TransUnion he faila hōʻaiʻē ** ua loaʻa ** ma lalo o ka SSN o kāu keiki, inā ma lalo o ka inoa o kāu keiki a i ʻole ma lalo o ka inoa makua holoʻokoʻa o kahi malihini, mai hopohopo a ʻaʻole e uku i hoʻokahi peni i ka mea ʻaiʻē. ʻAʻole hiki i ke keiki liʻiliʻi ke ʻaiʻē kālā ma ke kānāwai ma kahi ʻaelike hōʻaiʻē hoʻopunipuni. E hoʻokō i kēia hoʻomaʻemaʻe kānāwai 4-step:

KaʻAnuʻu 1: Hoʻokumu i kahi hōʻike ʻaihue ʻike ʻike FTC (IdentityTheft.gov) a me ka Hoike Makai¶

1. E hele i IdentityTheft.gov (hoʻohana ʻia e ka US Federal Trade Commission).
2. Kaomi E hoʻomaka -> koho Makemake au e hōʻike i ka ʻaihue ʻikena no kekahi (e like me ke keiki liʻiliʻi).
3. E hoʻokomo i kēlā me kēia moʻokāki hoʻopunipuni, ka inoa makua ʻike ʻole, ka helu kuhi hewa, a me ka ʻoihana hōʻiliʻili i helu ʻia ma ka pane a ke keʻena.
4. E paʻi a mālama i ka FTC Identity Theft Report / Affidavit.
5. Hoʻokaʻaʻike i kāu keʻena makai kūlanakauhale a kalana paha (pākaukau ʻole ulia pōpilikia) no ka waiho ʻana i kahi Child Identity Theft / Synthetic Fraud Police Report. E lawe mai i ka palapala hānau o kāu keiki, Kāleka mālama ola, ka leka a ka ʻoihana hōʻaiʻē, a me ka FTC Identity Theft Report. E noi i ka luna no ka Helu Hoike Makai a me ke kope o ka hoike.

KaʻAnuʻu 2: E hoʻouna i kahi FCRA § 605B Koi ʻia ʻo 4-Day Block & Purge Demand i nā ʻoihana hōʻaiʻē¶

Ma lalo o Pauku 605B o ka Fair Credit Reporting Act (15 U.S.C. § 1681c-2), i ka manawa e loaʻa ai i ka ʻoihana hōʻaiʻē kahi hōʻike ʻaihue ʻike pono, hōʻoia o ka ʻike, a me ka ʻike ʻana i ka ʻike hoʻopunipuni, Pono ke keʻena e pāpā i ka hōʻike ʻana o ia ʻike i loko o 4 mau lā ʻoihana a haʻi aku i nā mea hoʻolako (nā panakō/ʻohi) ua loaʻa nā moʻokāki ma muli o ka ʻaihue ʻike a ʻaʻole hiki ke kūʻai hou ʻia i kekahi mea kūʻai aie.

E hoʻouna i kahi ʻeke leka i hōʻoia ʻia i ke Keʻena Hoʻopaʻapaʻa Hoʻopunipuni o kēlā me kēia keʻena hōʻaiʻē i loaʻa kahi faila: - E hoʻopili i kāu FTC Identity Theft Report, Local Police Report, Child's Birth Certificate, a me Child's Social Security Card. - E haʻi pololei ma ka wiwo ʻole ma luna o kāu leka:

" HOOLAHA NO KA AIHUE O KE KEIKI O'O'I A ME KE KOI BLOCK FILE SYNTHETIC MAlalo o FCRA § 605B (15 U.S.C. § 1681c-2). Ka mea nona ka helu mālama ola XXX-XX-XXXX he keiki ʻuʻuku i hānau ʻia ma [MM/DD/YYYY] (i kēia manawa [X] makahiki). Ma lalo o ke kānāwai moku'āina a me ke aupuni pekelala, ʻaʻole hiki i kēia keiki liʻiliʻi ke komo i loko o kekahi ʻaelike hōʻaiʻē, ʻaelike lawelawe pono, a i ʻole ka hōʻaiʻē. ʻO nā laina kālepa āpau, nā nīnau nīnau, nā inoa makua wahaheʻe, nā lā hānau hoʻopunipuni, a me nā helu kuhi hewa e pili ana me SSN XXX-XX-XXXX ʻO ka hopena o ka ʻaihue ʻike hewa / hoʻopunipuni ʻike synthetic. Ma muli o 15 U.S.C. § 1681c-2, pono ʻoe e hoʻopaʻa a hoʻomaʻemaʻe i nā moʻokāki āpau a me nā sub-file synthetic i loko o 4 mau lā ʻoihana a laka i ka SSN ma lalo o kahi palekana palekana palekana."

KaʻAnuʻu Hana 3: E hoʻolaha pololei i kēlā me kēia Bank Fraudulent, Utility, a i ʻole ʻOhi ʻaiʻē¶

E leka uila i kope o ka FTC Identity Theft Report, Police Report, a me Child's Birth Certificate (me ka palapala laikini kaʻa o ka makua i hoʻopau ʻia me nā helu koʻikoʻi inā makemake ʻia, e ʻike ʻia ana ka DOB o ke keiki) i ka Fraud Investigation Department o kēlā me kēia panakō, mea hāʻawi kaʻa, hui kelepona, a i ʻole ʻoihana hōʻiliʻili i helu ʻia ma ka hōʻike. - Ma lalo o FCRA § 609(e) (15 U.S.C. § 1681g(e)), loaʻa iā ʻoe ke kuleana kānāwai e koi aku i ka panakō e hāʻawi iā ʻoe i nā kope o ka palapala noi hoʻopunipuni kumu, IP address, pūlima, a me ka helu helu helu i hoʻohana ʻia e ka ʻaihue i loko o 30 mau lā me ka uku ʻole. - Ke hoʻolaha ʻia ma lalo FCRA § 615(f), ʻaʻole ʻae ʻia ka mea hōʻaiʻē a ʻohi ʻaiʻē paha** mai ke kūʻai aku, hoʻoili, a waiho hou i ka ʻaiʻē keiki hoʻopunipuni no ka hōʻiliʻili ʻana.

Māhele 3: Ke nānā ʻana i ka hana (W-2), Hoʻihoʻi ʻauhau, a me nā pono (NCTUE) Hoʻopunipuni¶

ʻO nā kāleka hōʻaiʻē he hapalua wale nō o ka pilikia. ʻOiai inā hoʻokuʻu ʻoe iā Equifax, Experian, a me TransUnion i kēia lā, hiki i ka ʻaihue ke hoʻohana i ka helu mālama ola kino ʻole o kāu keiki ma nā wahi ʻē aʻe ʻekolu ke ʻole ʻoe e nānā a laka iā lākou:

1. E nānā a hoʻomaʻemaʻe i ka IRS Tax & Wage Records (IRS Form 14039 a Identity Protection PIN)¶

Inā hoʻohana kekahi kanaka makua ʻae ʻole i ka SSN o kāu keiki no ka hana ʻana i kahi hana, a i ʻole ka mea ʻauhau ʻē aʻe e koi hoʻopunipuni i ka SSN o kāu keiki ma ke ʻano he mea hilinaʻi e ʻaihue i ka Child Tax Credit (CTC) a i ʻole Aiʻe ʻauhau loaʻa (EITC):

1. He aha kāu e hana ai inā hōʻole ʻia kāu hoʻihoʻi ʻauhau E-Filed no ka mea ua koi mua ʻia ka SSN o kāu keiki:
   • E hōʻole kāu e-faila me IRS Reject Code IND-517-01 aiʻole SEIC-F1040-501-02 ("Ua koi ʻia ka SSN hilinaʻi ma kahi hoʻihoʻi hou").
   • ** Hoʻoponopono koke : E paʻi i kāu hoʻihoʻi ʻauhau ma ka pepa a leka iā ia i ka IRS me kahi ** IRS Form 14039 (Identity Theft Affidavit) ua nānā ʻia no kāu keiki mālama, a me nā kope o ka palapala hānau o ke keiki, Kāleka mālama ola, a me nā palapala kula/kauka e hōʻike ana ua noho ke keiki i kou hale no ka hapalua makahiki.
2. He aha kāu e hana ai inā loaʻa i kāu keiki kahi leka IRS (CP2000 / CP501) no nā uku i hōʻike ʻole ʻia (W-2 Hoʻopunipuni hana):
   • Mai haʻalele i kahi leka IRS i kamaʻilio ʻia i kahi keiki liʻiliʻi. Kāhea i ka IRS Identity Protection Specialized Unit ma 1-800-908-4490 koke.
   • Hoʻouna i ka IRS Form 14039 (Identity Theft Affidavit) ma ka inoa o kāu keiki, e nānā i ka pahu e hōʻike ana ua hoʻohana kekahi i ka SSN o ke keiki no ka loaʻa ʻana o ka uku, a e hoʻopili i ka palapala hānau o ke keiki e hōʻike ana he keiki ʻuʻuku lākou i hana ʻole ma ia mea hana. Na ka IRS e kau i kahi hōʻailona ʻaihue Identity ma ka waihona ʻauhau o ke keiki a wehe i ka hoʻopunipuni W-2 loiloi uku.
3. E kiʻi i kahi IRS Identity Protection PIN (IP PIN) no kāu keiki:
   • Hiki i nā mākua ke loaʻa he 6-helu IRS Identity Protection PIN (IP PIN) no kā lākou poʻe mālama liʻiliʻi (irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin). Ke loaʻa i kahi keiki kahi IP PIN, ʻaʻole hiki i kahi hoʻihoʻi ʻauhau ma ka honua ke koi i ka SSN o kēlā keiki ma ke ʻano he mea hilinaʻi a waiho i kahi 1040 ma lalo o ka SSN o kēlā keiki me ke komo ʻole i ka PIN huna 6-helu.

2. E nānā i ka Social Security Administration (SSA) Moolelo Loaa¶

No ka mea, kaʻana like ka IRS W-2 ʻikepili uku me ka Social Security Administration, hoʻopunipuni ka hoʻohana ʻana i ka SSN o kahi keiki i ka moʻolelo palekana Social Security o kāu keiki. - E kipa i kou wahi Social Security Administration (SSA) Keena kahua ma ke kino (a i ʻole kelepona 1-800-772-1213) me kāu Laikini Keaukaha, ka palapala hānau o kāu keiki, a me ka Kāleka mālama ola o kāu keiki, a e noi aku i kahi **Noi no ka ʻike no ka loaʻa kālā mālama ola (Form SSA-7050) / Hooia Loaʻa Loaʻa ʻia **. - Inā hōʻike kekahi mea hana i ka uku ma lalo o ka SSN o kāu keiki, e noi i ka luna SSA e hae a hōʻole i ka loaʻa kālā hoʻopunipuni (SSA Disclaimed Earnings Procedure) no laila ka moʻolelo o ke kino kīnā/hoʻomaha a me ke kōkua haumāna (FAFSA) ʻaʻole i hōʻino ʻia nā helu kālā.

3. Paʻu NCTUE (Utility / Telecom / Cable Exchange) a ChexSystems (Ke nānā nei i nā moʻokāki)¶

No ke aha i ʻike ai ka nui o nā mākua i ka ʻaihue ʻike keiki ma o ka bila uila i uku ʻole ʻia a i ʻole ka leka uila o AT&T/Verizon? No ka mea, ʻaʻole huki mau nā hui pono, nā mea lawe kelepona, a me nā mea hoʻolako TV uku iā Equifax a i ʻole TransUnion, huki lākou i ka National Consumer Telecom & Utilities Exchange (NCTUE, nctue.com). - Pau NCTUE no kāu keiki liʻiliʻi: kipa nctue.com/consumers (a i ʻole kelepona 1-866-349-5355) a e leka uila i kahi ʻeke noi ʻo Minor Security Freeze iā NCTUE Security Freeze, P.O. Pahu 105561, Atlanta, GA 30348 (Mālama ʻia ʻo NCTUE e Equifax data infrastructure a ʻae i ka 4-document Parent & Child Proof Packet). - Pau ChexSystems no kāu keiki liʻiliʻi (Paʻa i ka hōʻoia hoʻopunipuni / moʻokāki Neobank): E kipa chexsystems.com/security-freeze/place-freeze -> koho i ka Security Freeze for a Minor (Ma lalo o 18) a hoʻouna i ka ʻeke manuahi liʻiliʻi e pale i ka poʻe lawehala mai ka wehe ʻana i nā moʻokāki ma ka pūnaewele (Chime, SoFi, Varo, a i ʻole nā moʻokāki panakō brick-and-mortar) me ka hoʻohana ʻana i ka SSN o kāu keiki.

Palekana ʻike keiki honua: Kanada (SIN), United Kingdom (NIN), EU, a me Australia¶

1. Kanada (Helu Iniua Pilikanaka: SIN):
   • Hoʻokaʻaʻike Equifax Canada (1-800-465-7166) a me TransUnion Canada (1-800-663-9980 / 1-877-713-3393 ma Quebec) e nīnau inā ua hana hoʻopunipuni ʻia kahi waihona kālā ma lalo o kāu keiki liʻiliʻi SIN a kau i kahi leka hoʻopunipuni / hoʻokuʻu ʻaiʻē (kahi i kākoʻo ʻia e ke kānāwai panalāʻau).
   • Ina he keiki SIN ua hōʻoia ʻia ua ʻaihue a hoʻohana hewa ʻia paha, e hōʻike i ka Canadian Anti-Fraud Center (CAFC), waiho i kahi hōʻike makai kūloko, a lawe i ka palapala hānau a me ka hōʻike mākaʻi o kāu keiki i kahi Service Canada Center (canada.ca/en/employment-social-development/services/sin/protection.html) e hae i ka SIN hoʻopaʻa inoa a nānā Kanada Revenue Agency (CRA) palapala ʻauhau.
2. United Kingdom (Helu Inikua Lahui: NIN a CIFAS):
   • Ma UK, hāʻawi ʻia nā keiki i kā lākou National Insurance Number (NIN) ma mua koke o ko lākou 16 makahiki. ʻAʻole hiki i nā keiki liʻiliʻi ma lalo o 18 mau makahiki ke paʻa i nā ʻaelike hōʻaiʻē maʻamau ma lalo o ka Consumer Credit Act 1974.
   • E hōʻoia me Experian UK, Equifax UK, a me TransUnion UK inā ua hoʻopilikia ʻia ka ʻike o kahi ʻōpio, e hōʻike iā Action Fraud (0300 123 2040), a kakau inoa no CIFAS Protective Registration (cifas.org.uk/pr), kahi e waiho ai i ka ʻōlelo aʻo kūʻē i ka hoʻopunipuni ma waena o ka waihona waihona kālā a me ka hāʻawi kālā ʻana o UK.
3. Australia:
   • E kelepona i nā hui hōʻike hōʻaiʻē ʻekolu o Australia (Equifax Australia, Illion, a me Experian Australia) e nānā i nā faila ʻae ʻole a kau i kahi Credit Ban, a e kelepona iā IDCARE (idcare.org a i ʻole 1800 595 160), ʻO Australia a me New Zealand ka ʻike aupuni a me ka lawelawe kākoʻo pūnaewele.

Nīnau pinepine¶

Nānā ʻia nā kumu¶

• Federal Trade Commission (FTC, United States): Pehea e pale aku ai i kāu keiki mai ka ʻaihue ʻikena a me ka IdentityTheft.gov Statutory Recovery Procedures (consumer.ftc.gov/articles/how-protect-your-child-identity-theft, identitytheft.gov).
• United States Code / Fair Credit Reporting Act (FCRA, United States): 15 U.S.C. § 1681c-1(j) (Pauku 605A(j): Hoʻokuʻu ʻia ka palekana no nā mea kūʻai aku i pale ʻia / nā keiki liʻiliʻi ma lalo o ka makahiki 16: ulu waiwai, kōkua hoʻoponopono, a me ke kānāwai palekana o ka mea kūʻai aku o 2018) a 15 U.S.C. § 1681c-2 (*Pauku 605B: Paleka o ka ʻike i loaʻa mai ka ʻaihue ʻike *).
• Ke Keʻena Hoʻomalu Waiwai Kūʻai (CFPB, ʻAmelika Hui Pū ʻIa): Ke nānā ʻana a me ka hoʻomaloʻo ʻana i ka hōʻike hōʻaiʻē a kahi keiki liʻiliʻi a me ka hoʻopaʻapaʻa ʻana i nā hewa o ka ʻike ʻike synthetic (consumerfinance.gov).
• Lau Hana Hana Kūloko (IRS, ʻAmelika Hui Pū ʻIa): Puka 14039 (Affidavit Theft Identity), Loaʻa i kahi PIN Palekana Identity (IP PIN) no nā mea hilinaʻi, a me Alakaʻi ʻauhau no ka ʻaihue Identity (irs.gov/newsroom/taxpayer-guide-to-identity-theft).
• Social Security Administration (SSA, United States): Ahue Identity and Your Social Security Number (Publication No. 05-10064) and Electronic Consent-Based SSN Verification (eCBSV) (ssa.gov/pubs/EN-05-10064.pdf).
• Federal Reserve System (United States): Synthetic Identity Fraud in the U.S. Payment System: Mitigation Toolkit and Definition Framework (fedpaymentsimprovement.org).

Nā alakaʻi pili¶

• Pane ʻaihue ʻike
• Pane uhaki ʻikepili a me ka ʻōlelo huna
• ʻO ka hoʻomāinoino kālā a me ka hoʻohana
• ʻO ka ʻohi ʻaiʻē
• ʻO ka loiloi ʻauhau, nā ʻauhau hope, a me ka pale ʻana i ka uku uku
• ʻAha waihona waihona