Okubba densite z’abaana n’okusiba fayiro z’ebbanja ez’ekika kya synthetic¶

Okuzuula nti omwana wo ow’emyaka 4 oba 12 afuna okuweebwa kaadi z’ebbanja ezikkirizibwa nga tezinnabaawo, okukubira essimu y’okusolooza amabanja, Internal Revenue Service (IRS) ebiwandiiko ebikwata ku kuggyawo emisaala, oba ssente z’okuggala amasannyalaze mu mail, oba okuzuula ng’omwana wo awezezza emyaka 18 n’asaba looni y’abayizi oba liizi y’omuzigo esooka nti obubonero bwe obw’ebbanja bwasaanyizibwawo dda ddoola 80,000 mu looni z’emmotoka ezitasasuddwa, mbeera ya mangu ey’amaka ewunyisa. Kubanga Ennamba y’omwana atali mu myaka gye (SSN mu Amerika), Ennamba ya Yinsuwa y’Ensi (SIN mu Canada), oba Ennamba ya Yinsuwa y’Eggwanga (NIN mu Bungereza) erina zero existing credit history attached to it, criminal syndicates ekirabo enzibe ennamba z’abaana okuva mu by’obulamu, disitulikiti y’amasomero (PowerSchool), n’okumenya data ya gavumenti okusinga ebirala byonna. Abamenyi b'amateeka bagatta SSN y'omwana entuufu eya digito 9 n'erinnya ly'omuntu omukulu erijingirire n'omwaka gw'amazaalibwa ogw'ekicupuli ogwa 1985 ne bakola Synthetic Identity ("Frankenstein Identity"). Olw'okuba automated bank credit-application servers mu byafaayo zakebera yokka oba SSN ya digito 9 yali ntuufu era nga tekebera Social Security Administration's birth-date database nga tannakola credit header empya, omufere ow'obutonde asobola okuzimba mu kasirise obubonero bw'ebbanja 750 ku SSN y'omwana wo omuto mu myaka etaano n'oluvannyuma "bust out" nga maxing out credit cards kkumi ne auto loan nga tolina bulijjo okufuna okulabula.

Singa okubba densite kuzingiramu okumenya amaka mu ngeri ey’amaanyi, okutiisatiisa okuwamba omuntu mu mubiri, oba okukuggyako ssente ku maka go, kuba ku nnamba y’amangu mu kitundu kyo (911 mu Amerika ne Canada, . 112 okwetoloola omukago gwa Bulaaya, . 999 mu Bungereza) oba weebuuze ku dayirekita yaffe ey’ensi yonna ennamba z’amangu amangu ago. Ku misango gyonna egy’okubba endagamuntu z’abaana abato, okulaga okumenya data y’amasomero, oba okukuuma ebbanja ly’abaana mu ngeri ey’obwegendereza, goberera enkola y’emitendera 6 egy’okuyonja mu mateeka n’okusiba enkola y’emirimu wansi.

Kino kikole kati¶

1. TOKOZESA foomu za bulijjo ez'abantu abakulu ku yintaneeti "Check Your Credit Report" (AnnualCreditReport.com) eri omwana omuto atali wansi w’emyaka 18: Okuwandiika SSN n’erinnya ly’omwana omuto mu mukutu gw’omuntu omukulu ogw’okukebera ebbanja mu ngeri ey’obwengula oba app elondoola ebbanja kiyinza mu butamanya okukola fayiro empya ey’ebbanja ekola eri omwana eyali talina, oba okulemererwa n’ensobi mu kukakasa endagamuntu. Wabula, kozesa buli kitongole ekiweereddwayo Okubuuza ku kitabo ky’abaana abato / Omukutu gw’okubba endagamuntu y’abaana (Equifax, . Experian, era TransUnion).
2. ** tegeera Etteeka lya Zaabu erya Fayiro z’Ebbanja Entono: Omwana atali wansi w’emyaka 16 talina kuba na lipoota ya kwewola n’akatono**: Okuggyako ng’ogenderedde okugattako omwana wo omutiini ng’Omukozesa Akkirizibwa ku kaadi yo ey’okuwola, singa Equifax, Experian, oba TransUnion ezuula fayiro yonna ey’ebbanja esibiddwa ku Nnamba y’Omwana wo ey’Obukuumi bw’Ensi, ne bwe kiba nti erinnya n’olunaku lw’amazaalibwa ku fayiro eyo biba bya muntu mukulu atamanyi stranger, SSN y'omwana wo ekozesebwa ku Synthetic Identity Theft oba Employment / Credit Fraud.
3. Fayira lipoota entongole ey'akakiiko k'ebyobusuubuzi aka Federal Trade Commission ku bubbi bw'endagamuntu ku... IdentityTheft.gov (oba ekyenkanankana n’eggwanga) ku lw’omwana wo ERA ofune Lipoota ya Poliisi mu kitundu: Yingiza ebikwata ku mwana wo ng’oyo eyakoseddwa ku IdentityTheft.gov (United States) okukola FTC Identity Theft Affidavit entongole, era otwale ekirayiro ekyo mu kitongole kya poliisi mu kitundu kyo okufuna Police Incident Report Number. Mu tteeka lya Etteeka ly'okukola lipoota ku kwewola mu bwenkanya (FCRA § 605B, . 15 U.S.C. § 1681c-2), ebitongole ebiwola ssente biragirwa mu mateeka okuziyiza n’okulongoosa akawunti zonna ez’obufere mu ennaku 4 ez’omulimu okuva lwe bafunye Lipoota entuufu ey’okubba endagamuntu.
4. Sindika ekiragiro "Minor Child Protected Consumer Security Freeze" packet eri ebitongole byonna ebisatu eby'okuwola (Equifax, . Experian, era TransUnion): Mu mateeka ga federo (Etteeka erikwata ku kukula kw’ebyenfuna, obuyambi obulung’amya, n’okukuuma abakozesa erya 2018, FCRA § 605A(j), . 15 U.S.C. § 1681c-1(j)), abazadde n'abakuza mu mateeka mu buli ssaza lya Amerika balina eddembe ery'enkomeredde okuteeka 100% Free "Protected Consumer Security Freeze" ku mwana yenna atali wansi w'emyaka 16. Ne bwe kiba nti omwana wo mu kiseera kino alina fayiro y'ebbanja zero, ebitongole biragirwa mu mateeka ga federo okukola fayiro ya placeholder esula, eriko kkufulu n'okugiteeka mu bbugumu amangu ddala kale tewali mumenyi w'amateeka ayinza kuggulawo profile ya synthetic n'ekyo SSN okutuusa omwana wo lw’awezezza emyaka 16 oba 18 n’agisumulula ne PIN ye.
5. Saaba okulongoosa mu bujjuvu fayiro y’ebbanja ey’obufere (si nkaayana z’abantu abakulu zokka) singa omwana wo aba mwana muto: Olw’okuba omwana atali mu myaka gye talina busobozi mu mateeka okukola endagaano y’ebbanja ekwatagana mu kusooka, teweetaaga kusuubulagana na basolooza mabanja ssekinnoomu ku misolo ssekinnoomu. Weereza ekiwandiiko ekikakasibwa ku mail eri ebitongole by'obufere ebya Equifax, Experian, TransUnion, ne buli muwozi ali ku lukalala ng'ogamba nti: "Omuntu alina Ennamba y'Omukuumi w'Ensi [XXX-XX-XXXX] mwana muto eyazaalibwa nga [Olunaku] (Ebbaluwa y'amazaalibwa eyungiddwaako) nga talina busobozi mu mateeka okukola endagaano. Okwetaaga kukolebwa wansi wa FCRA § 605B okunyigiriza amangu ddala byonna." fayiro y'obufere ne layini zonna ez'obusuubuzi."
6. Kebera ekiwandiiko ky'omusolo ekya IRS Tax Transcript ky'omwana wo (Form 4506-T) ne Likodi y’enfuna y’obukuumi bw’abantu (ssa.gov) for Employment Fraud: Ekitundu ku bubbi bwonna obw’abaana SSN si bwa credit cards, bwa Adult Employment / Wage Fraud (omuntu omukulu atakkirizibwa akozesa SSN ennyonjo y’omwana wo ku... I-9 / . W-4 foomu okukola omulimu, okutuuma omusolo gwa IRS ogutasasuddwa n’eby’obulimba W-2 ebiwandiiko wansi wa SSN y’omwana wo) oba Tax Refund Fraud (omuntu yeewozaako nti omwana wo ye muntu alabirira nga tonnassaayo misolo gyo).

Omuti gw’okusalawo: okukebera, okuyonja, n’okuteeka firiigi ku ndagamuntu y’omwana atali mu myaka gye¶

Goberera enkola eno ey’okusunsulamu omutendera ku mutendera okubala SSN y’omwana wo, okumalawo obufere obw’obutonde oba obumanyiddwa, n’okusiba fayiro yaabwe mu bitongole byonna:

flowchart TD
    A["SSN y’omwana Eyolesebwa mu kumenya amateeka, Mail eyakkirizibwa nga tennabaawo, oba Okubala ebitabo by’abazadde okukola"] --> B["Gather Parent Proof Packet: ID y’omuzadde, Obukakafu bw’endagiriro, Satifikeeti y’okuzaalibwa kw’omwana & Kaadi ya SSN y’omwana"]
    B --> C["Waayo okusaba kwa Fayiro y'ebbanja ly'abaana abato okukebera & Freeze eri Equifax, Experian & TransUnion"]
    C --> D{"Waliwo ekitongole kyonna eky’okuwola ekyazudde fayiro y’ebbanja eriwo wansi wa SSN y’omwana wo?"}
    D -->|"Tewali Fayiro Ezuuliddwa (Clean SSN)"| E["Bureaus Zikola Fayiro ya ‘Protected Consumer’ Esula & Zisiba ne Security Freeze wansi wa FCRA § 605A(j)"]
    E --> F["Teeka ebbaluwa 3 eza Bureau Freeze Confirmation Letters & PINs mu Safe etayingiramu muliro okutuusa ng’omwana awezezza emyaka 16-18"]
    D -->|"Yee: Fayiro Ezuuliddwa wansi w’Erinnya ly’Omwana OBA Erinnya ly’Omuntu Omukulu ly’Omutamanyi (Synthetic ID)"| G["1. Fayiro Alipoota y’obubbi bw’endagamuntu ya FTC ku IdentityTheft.gov + Alipoota ya Poliisi y’Ekitundu"]
    G --> H["2. Weereza FCRA § 605B 4-Day Block & Minor Incapacity Purge Packet ng’oyita mu Certified Mail eri Bureaus zonna 3"]
    H --> I["3. Weereza Fraud Affidavit & Child Birth Certificate eri Buli Muwozi / Utility / Omusolooza w'amabanja awandiikiddwa ku lukalala"]
    I --> J["4. Kebera Social Security Earnings Record & File IRS Form 14039 (Identity Theft Affidavit) okulaba oba waliwo W-2 / Obufere bw’omusolo"]
    J --> K["5. Freeze ChexSystems & NCTUE (Utility/Telecom Exchange) + Siba Fayiro y'Ebbanja ly'Omwana Enkalakkalira"]

Okutegeera "Obubbi bw'endagamuntu mu ngeri ey'ekikugu" vs. Obubbi bw'endagamuntu y'abaana obw'ennono¶

Lwaki okulondoola ebbanja ly’abantu abakulu mu mutindo tekukwata bubbi bwa densite z’abaana? Okutegeera engeri ebbiri ez’enjawulo abamenyi b’amateeka gye bakozesaamu Ennamba y’Omwana ey’Obukuumi bw’Ensi kinnyonnyola lwaki okuyingira mu nsonga z’abazadde mu ngalo kikakatako:

Lwaki ekitongole ekivunaanyizibwa ku by'okwerinda mu mbeera z'abantu (Social Security Administration's... eCBSV Yakomye ddala okubba endagamuntu ya Synthetic?¶

Mu 2018, olukiiko lwa Amerika olwa Congress lwayisa akawayiro 215 ak’etteeka erifuga enkulaakulana mu by’enfuna, okudduukirira abantu, n’okukuuma abakozesa, ne kiragira ekitongole ekivunaanyizibwa ku by’okwerinda mu mbeera z’abantu (SSA) okuzimba Okukakasa Ennamba y’Obukuumi bw’Abantu (eCBSV) enkola bbanka zisobole okukebera mu kiseera ekituufu oba ddala SSN ya digito 9 ekwatagana n’Erinnya ettuufu n’Olunaku lw’Okuzaalibwa kw’oyo asaba mu master wa SSA Numident database.

Nga... eCBSV is live, ebituli bibiri ebinene bisigaddewo leero: 1. Okukozesa eCBSV ye ya kwesalirawo eri abawola ssente era etwala ssente za buli kubuuza; enkumi n’enkumi z’abawola ssente entonotono, gula-kati-sasula-oluvannyuma (BNPL) apps, abasitula amasimu, n'abawa utility bakyakola te run an eCBSV kebera ku database ya SSA nga tonnaba kugaba credit. 2. Fayiro yonna ey'endagamuntu ey'obutonde eyakolebwa edda munda mu Equifax, Experian, oba TransUnion nga bbanka tennaba kwettanira eCBSV atuula nga jjajja munda mu bifo ebikuumirwamu ssente okutuusa ggwe omuzadde, okaka Protected Consumer Security Freeze wansi FCRA § 605A(j).

Omutendera 1: Engeri y'okukuŋŋaanya "Parent Proof Packet" yo n'okusiba ebbanja ly'omwana wo ku bureau zonna 3¶

Olw’okuba abaana abali wansi w’emyaka 16 tebalina pamiti za ddereeva oba ebyafaayo by’ebbanja ebiriwo okuyita mu kibuuzo ky’endagamuntu ekiyinza okulondamu emirundi mingi ku yintaneeti, etteeka lya federo (15 U.S.C. § 1681c-1(j)) yeetaaga abazadde oba abakuza mu mateeka okuleeta Protected Consumer Security Freeze Request ku mail (wadde nga Equifax, Experian, ne TransUnion nazo ziwa foomu entonotono ez’enjawulo ez’okubuuza okukuba n’okuzisiba).

Omutendera 1: Kola Photocopy Sets 3 eza "Parent & Child Proof Packet" yo.¶

Toweerezangako ku mail Birth Certificate yo ey’omubiri oba kaadi yo eya Social Security eyasooka. Kola seti ssatu ez’empapula ezitegeerekeka obulungi (ekimu kya Equifax, ekirala kya Experian, ekirala kya TransUnion) nga kirimu ebika bino ebituufu 4 eby’ebiwandiiko:

1. Obukakafu bw'Endagamuntu y'Omuzadde/Omukuza (Wawa kkopi 1 ku 2):
   • Clear photocopy ya State Driver's License, State ID Card, oba Passport yo (ey'omuzadde) entuufu.
   • Clear photocopy ya Social Security Card yo (esemba Experian ne Equifax okwanguya okukwatagana kw’abazadde).
2. Obukakafu bw’Endagiriro y’Omuzadde gy’aweereza mu Butuuze (bwe kiba kya njawulo ku Layisinsi ya Ddereeva, oba ng’obukakafu obw’okubiri):
   • Kopi ya Ebbago ly’ebikozesebwa (amasannyalaze, ggaasi, amazzi), Statimenti ya Bbanka, oba Yinsuwa ya bannannyini mayumba/abapangisa eyaakafuluma ng’olaga amannya go mu bujjuvu n’endagiriro y’oluguudo gy’oli kati.
3. Obukakafu bw'Omwana Omuto (Muwa BOMBI):
   • Photocopy entangaavu eya Ebbaluwa y'amazaalibwa y'omwana entongole.
   • Photocopy entangaavu eya Kaadi y'Omwana ey'Obukuumi bw'Ensi.
4. Obukakafu bw'obuyinza bwo mu mateeka okukola ku lw'omwana:
   • Bw’oba nga ggwe omuzadde omuzaale oba omuzadde omuzadde eyawandiikibwa ku bbaluwa y’amazaalibwa g’omwana: Kopi ya Ebbaluwa y’amazaalibwa g’omwana (eraga erinnya lyo mu mateeka mu bujjuvu mu kasanduuko Maama/Taata/Omuzadde) etuukiriza ekyetaagisa kino mu ngeri ey’otoma. (Singa amannya go ag’enkomerero gakyuka olw’obufumbo oba okwawukana okuva satifikeeti y’amazaalibwa lwe yafulumizibwa, ssaako kkopi y’Ebbaluwa yo ey’Obufumbo oba Ekiragiro ky’Okugattululwa/Okukyusa Erinnya ekigatta erinnya).
   • Bw’oba ​​oli Mukuza w’Amateeka, Omuzadde Omukuza, oba Omukuumi: Teekako kkopi ya Ekiragiro kya Kkooti eky’Okulabirira, Ebiwandiiko by’Okuteeka Abakuza, oba Obuyinza obuwangaala.

Omutendera 2: Sindika Freeze & File-Check Packet ku mail ku bbaluwa zonna 3 ez’okuwola ssente mu ggwanga lyonna¶

Muteekemu ebbaluwa ennyimpimpi, eriko omukono (oba buli bureau’s printed Minor Freeze Request Request Form) eraga bulungi:

"Okusinziira ku tteeka lya Fair Credit Reporting Act, 15 U.S.C. § 1681c-1(j), ndi muzadde era omukiise mu mateeka ow'omwana atali mu myaka 16). Nsaba onoonye mu database yo fayiro yonna ey'ebbanja eriwo oba fragmented synthetic sub-file ekwatagana n'Erinnya ly'omwana wange OBA Social Security Number y'omwana wange (XXX-XX-XXXX). Singa fayiro yonna ey’obufere oba omukutu gw’obusuubuzi gubaawo, mpereza kkopi enzijuvu eya fayiro mu bwangu tusobole okugirongoosa wansi wa FCRA § 605B. Bwe waba tewali fayiro eriwo, nsaba okole likoda ya Protected Consumer era oteeke Protected Consumer Security Freeze ey’amangu, ey’obwereere ku nnamba y’omwana wange ey’obukuumi bw’abantu (XXX-XX-XXXX)."

Weereza packet emu eri buli emu ku bureau essatu wansi (ng’okozesa USPS Certified Mail osobole okuba n’obukakafu obulondoola obw’okutuusa):

Omutendera 2: Eky’okukola singa ebitongole bisanga akawunti ez’obufere oba Synthetic Identity ku SSN y’omwana wo¶

Singa Equifax, Experian, oba TransUnion eddamu nti fayiro y’ebbanja eriwo dda wansi wa SSN y’omwana wo, ka kibeere wansi w’erinnya ly’omwana wo oba wansi w’erinnya ly’omuntu gw’otomanyidde ddala ery’omuntu omukulu, tosattira era tosasula wadde ennusu emu eri omuntu yenna amuwola. Omwana atali mu myaka gye tasobola kubanja ssente mu mateeka ku ndagaano y’okuwola ey’olukujjukujju. Kola okulongoosa kuno okw’emitendera 4 mu mateeka:

Omutendera 1: Okukola Alipoota Entongole eya FTC ey’okubba endagamuntu (IdentityTheft.gov) ne Lipoota ya Poliisi¶

1. Genda ku IdentityTheft.gov (eddukanyizibwa akakiiko ka Amerika aka Federal Trade Commission).
2. Nywa ku Get Started -> londa Njagala kuloopa kubba ndagamuntu eri omuntu omulala (nga omwana omuto).
3. Yingiza buli akawunti ey’obufere, amannya g’omuntu omukulu g’otomanyi, endagiriro ey’obulimba, n’ekitongole ekisolooza ssente ebiwandiikiddwa ku kuddamu kw’ekitongole.
4. Kuba era otereke ekivuddemu FTC Identity Theft Report / Affidavit.
5. Tuukirira ekitongole kya poliisi mu kibuga oba mu ssaza lyo (emmeeza etali ya mangu) okuteeka mu fayiro Child Identity Theft / Synthetic Fraud Police Report. Leeta ebbaluwa y’amazaalibwa g’omwana wo, Social Security Card, ebbaluwa y’ekitongole ekiwola ssente, ne Lipoota y’okubba endagamuntu ya FTC ewandiikiddwa. Buuza omuserikale Ennamba ya Lipoota ya Poliisi ne kkopi ya lipoota ekubiddwa.

Omutendera 2: Weereza ekiwandiiko FCRA § 605B Mandatory 4-Day Block & Purge Demand eri ebitongole ebiwola ssente¶

Mu Akawaayiro 605B ak’etteeka ly’okukola lipoota ku kwewola okw’obwenkanya (15 U.S.C. § 1681c-2), ekitongole ekiwola bwe kimala okufuna Lipoota entuufu ey’obubbi bw’endagamuntu, obukakafu bw’omuntu, n’okuzuula amawulire ag’obufere, ekitongole KITEEKEDDWA okulemesa okuloopa amawulire ago mu nnaku 4 ez’omulimu era n’okutegeeza abagaba ebintu (bbanka/abasolooza) nti akawunti zaava mu kubba densite era ziyinza obutaddamu kutundibwa eri omuguzi w’amabanja omulala.

Sindika packet ya Certified Mail eyookubiri mu kitongole ekikola ku nkaayana z’obufere ekya buli kitongole ky’ebbanja ekyazudde fayiro: - Teekako Alipoota yo eya FTC ey’okubba endagamuntu, Lipoota ya Poliisi y’omu kitundu, Ebbaluwa y’amazaalibwa g’omwana, ne Kaadi y’omwana ey’obukuumi bw’abantu. - Laga bulungi mu nnukuta enzirugavu waggulu ku bbaluwa yo:

"EKIRANGO KY'OBUBBI OBW'ENJAWULO Y'ABAANA ABATONO & OKUSAJJA OKUKOLA FAYIRO EY'OKUKOLA WANSI WA FCRA § 605B (15 U.S.C. § 1681c-2). Nnannyini nnamba ya Social Security Number XXX-XX-XXXX ye mwana omuto eyazaalibwa ku... [MM/DD/YYYY] (mu kiseera kino [X] emyaka egy’obukulu). Mu mateeka g’amasaza n’aga federo, omwana ono omuto teyalina busobozi bwa mateeka kukola ndagaano yonna ey’okuwola, endagaano y’okuweereza eby’obulamu, oba okwewola. Ennyiriri zonna ez’obusuubuzi, okubuuza, amannya g’abantu abakulu ag’obulimba, ennaku z’amazaalibwa ez’obulimba, n’endagiriro ez’obulimba ezikwatagana ne SSN XXX-XX-XXXX biva mu bubbi bw’endagamuntu z’abamenyi b’amateeka / okufera endagamuntu ez’obutonde. Okusinziira ku 15 U.S.C. § 1681c-2, olina okuziyiza enkalakkalira n'okulongoosa akawunti zonna ne fayiro entonotono ezikoleddwa mu nnaku 4 ez'omulimu n'okusiba SSN wansi wa Protected Consumer Security Freeze."

Omutendera 3: Tegeeza Buli Bbanka, Utility, oba Omusolooza w’Ebbanja Omufere Butereevu¶

Sindika kkopi ya FTC Identity Theft Report, Police Report, ne Child’s Birth Certificate (nga pamiti y’omuzadde ekyusibwamu ennamba enzibu bw’oba oyagala, ng’okuuma DOB y’omwana ng’erabika) eri ekitongole ekinoonyereza ku bufere ekya buli bbanka, omuwozi w’emmotoka, kkampuni y’amasimu, oba ekitongole ekisolooza ssente ekiwandiikiddwa ku lipoota. - Wansi wa FCRA § 609(e) (15 U.S.C. § 1681g(e)), era olina eddembe mu mateeka okusaba bbanka ekuwe kkopi z’okusaba okwasooka okw’obufere, endagiriro ya IP, omukono, n’endagiriro y’okusasula ssente omubbi gye yakozesa mu nnaku 30 awatali kusasula. - Oluvannyuma lw’okutegeezebwa wansi FCRA § 615(f), omuwozi oba omusolooza w’amabanja akugirwa mu mateeka okutunda, okukyusa, oba okuteeka ebbanja ly’omwana ery’obufere okusoloozebwa okuddamu.

Omutendera 3: Okukebera emirimu (W-2), Okuddizibwa Omusolo, n’Eby’Obulamu (NCTUE) Obufere¶

Kaadi z’okuwola ssente kitundu kyokka ku bulabe. Ne bw’oba osibye Equifax, Experian, ne TransUnion leero, omubbi akyayinza okukozesa Social Security Number y’omwana wo etali mu bbugumu mu bifo ebirala bisatu okuggyako ng’ozikebedde n’ozisiba:

1. Kebera n’okuyonja ebiwandiiko by’omusolo n’emisaala bya IRS (IRS Form 14039 ne Identity Protection PIN) .¶

Singa omuntu omukulu atakkirizibwa akozesa SSN y’omwana wo okukola omulimu, oba singa omuwi w’omusolo omulala mu lukujjukujju yeewozaako SSN y’omwana wo ng’omuntu gw’alabirira okubba Child Tax Credit (CTC) oba Ebbanja ly’omusolo ku nfuna efunibwa (EITC):

1. Kiki Ky'olina Okukola Singa E-Filed Tax Return Yo Egaanibwa Olw'okuba SSN y'omwana Wo Yasaba Dda:
   • E-fayiro yo ejja kugaana ne IRS Reject Code IND-517-01 oba SEIC-F1040-501-02 ("SSN eyesigamye yayogerwako dda ku kudda okulala").
   • Okutereeza amangu: Kuba ebbaluwa yo ey’omusolo ku lupapula era ogiweereze ku IRSwamu ne IRS Form 14039 (Identity Theft Affidavit) okebedde omwana wo gw’olabirira, n’ogattako kkopi z’Ebbaluwa y’Omwana, Social Security Card, n’ebiwandiiko by’essomero/eby’obujjanjabi ebikakasa nti omwana yabeera mu maka go okumala ekitundu ky’omwaka ekisukka mu kimu.
2. Eky'Okola Singa Omwana Wo Afuna Ekiwandiiko kya IRS (CP2000 / . CP501) olw’Emisaala egitategeezeddwa (W-2 Obufere mu mirimu):
   • Tobuusa maaso kiwandiiko kya IRS ekiwandiikiddwa omwana atali mu myaka gye. Kuba ekitongole kya IRS ekivunaanyizibwa ku kukuuma endagamuntu ku 1-800-908-4490 amangu ago.
   • Waayo Foomu ya IRS 14039 (Identity Theft Affidavit) ku lw’omwana wo, ng’ossaako akabonero ku kasanduuko akalaga nti waliwo eyakozesa SSN y’omwana okufuna emisaala, era osseeko n’ebbaluwa y’amazaalibwa y’omwana ng’ekakasa nti mwana muto atakolera mu mukama oyo. Ekitongole kya IRS kigenda kuteeka ekiraga obubbi bw’endagamuntu ku akawunti y’omusolo gw’omwana era kiggyewo omufere W-2 okupima emisaala.
3. Funa ebbaluwa ya IRS Identity Protection PIN (IP PIN) ku lw'Omwana Wo:
   • Kati abazadde basobola okufuna digito 6 IRS Identity Protection PIN (IP PIN) eri abaana baabwe abato (irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin). Olumu omwana n’afuna... IP PIN, tewali musolo gwonna ku nsi guyinza kwewozaako nti SSN y’omwana oyo ng’omuntu eyeesigama oba okuteeka fayiro 1040 wansi wa SSN y’omwana oyo nga toyingidde PIN ey’ekyama eya digito 6.

2. Kebera ekitongole ekivunaanyizibwa ku by’obukuumi bw’abantu (SSA) Ebyafaayo by’enfuna¶

Kubanga IRS egabana W-2 data y’omusaala n’ekitongole kya Social Security Administration, obufere mu mirimu ng’okozesa SSN y’omwana kwonoona likodi y’omwana wo ey’obulamu bwa Social Security. - Lambula Ekitongole ekivunaanyizibwa ku by'okwerinda mu kitundu kyo (SSA) Field Office mu buntu (oba kuba essimu 1-800-772-1213) ne pamiti yo, ebbaluwa y’amazaalibwa g’omwana wo, ne Kaadi y’omwana wo ey’obukuumi bw’abantu, era saba Okusaba Amawulire ku Nfuna y’Omwana wo (Form SSA-7050) / Okubala ebitabo by'enfuna entonotono. - Singa omukozesa yenna aloopye omusaala wansi wa SSN y’omwana wo, saba omukiise wa SSA okussaako bendera n’Okwegaana ssente z’ofuna mu lukujjukujju (SSA Disclaimed Earnings Procedure) kale likoda y’omwana wo ey’obulemu/okuwummula mu biseera eby’omu maaso n’obuyambi bw’abayizi (FAFSA) okubala enyingiza tekwonooneka.

3. Okufuumuula NCTUE (Utility / Telecom / Okuwanyisiganya waya) ne ChexSystems (Okukebera Akawunti)¶

Lwaki abazadde bangi bazuula obubbi bw’endagamuntu z’abaana nga bayita mu ssente z’amasannyalaze eza doola 800 ezitasasuddwa oba ekiwandiiko kya AT&T/Verizon eky’okusolooza essimu? Olw’okuba kkampuni ezikola ku by’amasannyalaze, abasitula amasimu, n’abagaba ttivvi ezisasula tebatera kusika Equifax oba TransUnion, basika National Consumer Telecom & Utilities Exchange (NCTUE, . nctue.com). - Freeze mu firiigi NCTUE ku lw'omwana wo omuto: Lambula nctue.com/consumers (oba okuyita 1-866-349-5355) era oweereze packet y’okusaba Minor Security Freeze ku NCTUE Security Freeze, P.O. Box 105561, Atlanta, GA 30348 (NCTUE eddukanyizibwa Equifax data infrastructure era ekkiriza ebiwandiiko 4 bye bimu ddala Parent & Child Proof Packet). - Freeze mu firiigi ChexSystems ku lw'omwana wo omuto (Azibira Akawunti z'okukebera / Neobank ez'ebicupuli): Lambula chexsystems.com/security-freeze/place-freeze -> londa Security Freeze for a Minor (Under 18) era oweeyo packet ya minor freeze okulemesa abamenyi b’amateeka okuggulawo akawunti z’okukebera ku yintaneeti (Chime, . SoFi, . Varo, oba akawunti za bbanka ez’amabaati) ng’okozesa SSN y’omwana wo.

Okukuuma endagamuntu y’abaana mu nsi yonna: Canada (SIN), Bungereza (NIN), EU, ne Australia¶

1. Canada (Ennamba ya Yinsuwa y’Ensi: SIN):
   • Tuukirira Equifax Canada (1-800-465-7166) ne Ekibiina kya TransUnion Canada (1-800-663-9980 / . 1-877-713-3393 mu Quebec) okubuuza oba fayiro y’ebbanja ekoleddwa mu lukujjukujju wansi w’omwana wo omuto SIN era n’okuteeka okulabula kw’obufere / okuziyiza ebbanja (nga kiwagirwa amateeka g’amasaza).
   • Singa omwana... SIN kikakasibwa nti yabbibwa oba yakozesebwa bubi, kitegeeze Canadian Anti-Fraud Center (CAFC), ssaayo lipoota ya poliisi y’omu kitundu, era otwale ebbaluwa y’amazaalibwa g’omwana wo ne lipoota ya poliisi mu Service Canada Center (canada.ca/en/employment-social-development/services/sin/protection.html) okuteeka bendera ku SIN okuwandiisa n'okukebera Ekitongole ky'omusolo ekya Canada (CRA) okuteeka fayiro z'omusolo.
2. Bungereza (Ennamba ya Yinsuwa y’Eggwanga: NIN ne CIFAS):
   • Mu Bungereza, abaana baweebwa otomatiki National Insurance Number (NIN) nga wabulayo akaseera katono okutuuka ku amazaalibwa gaabwe ag'emyaka 16. Abaana abatanneetuuka abali wansi w’emyaka 18 tebasobola kubeera na ndagaano za kwewola za mutindo mu mateeka wansi w’etteeka ly’ebbanja eri abakozesa erya Consumer Credit Act 1974.
   • Kebera ne Experian UK, Equifax UK, ne TransUnion UK singa endagamuntu y'omuvubuka ebadde mu kabi, lipoota eri Action Fraud (0300 123 2040), era weewandiise okuwandiisa CIFAS Protective Registration (cifas.org.uk/pr), eteeka okulabula kw’eggwanga ku kulwanyisa obufere mu kifo kyonna ekya Bungereza ekikwata ku bbanka n’okuwola ssente.
3. Australia:
   • Tuukirira ebitongole ebisatu ebya Australia ebikola lipoota ku kwewola (Equifax Australia, Illion, ne Experian Australia) okukebera fayiro ezitakkirizibwa n’okuteeka Credit Ban, era tuukirira IDCARE (idcare.org oba 1800 595 160), Australia ne New Zealand evunaanyizibwa ku ndagamuntu y’eggwanga n’obuyambi ku mikutu gya yintaneeti.

Ebibuuzo ebitera okubuuzibwa¶

Ensonda zeekebeddwa¶

• Akakiiko k’ebyobusuubuzi aka Federal Trade Commission (FTC, United States): Engeri y’okukuuma omwana wo okuva ku bubbi bw’endagamuntu ne *Enkola z’okuzzaawo endagamuntu za IdentityTheft.gov (consumer.ftc.gov/articles/how-protect-your-child-identity-theft, . identitytheft.gov).
• Etteeka lya Amerika / Etteeka erikola lipoota ku kwewola mu bwenkanya (FCRA, Amerika): 15 U.S.C. § 1681c-1(j) (Ekitundu 605A(j): Okuziyiza obukuumi eri abakozesa abakuumibwa / abaana abatanneetuuka abali wansi w’emyaka 16: Enkulaakulana mu by’enfuna, obuyambi obulung’amya, n’okukuuma abakozesa etteeka lya 2018) ne 15 U.S.C. § 1681c-2 (Ekitundu 605B: Block y’Amawulire agava mu bubbi bw’endagamuntu).
• Consumer Financial Protection Bureau (CFPB, United States): Okukebera n'okusiba alipoota y'ebbanja ly'omwana atali muto n'okukaayana ku nsobi z'endagamuntu ezikoleddwa mu ngeri ey'ekikugu (consumerfinance.gov).
• Empeereza y’omusolo ogw’omunda (IRS, Amerika): Foomu 14039 (Ekirayiro ky’okubba endagamuntu), Funa PIN y’okukuuma endagamuntu (IP PIN) eri abo abesigamye, ne Ekitabo ky’omuwi w’omusolo ku bubbi bw’endagamuntu (irs.gov/newsroom/taxpayer-guide-to-identity-theft).
• Ekitongole ekivunaanyizibwa ku by’okwerinda mu mbeera z’abantu (SSA, Amerika): Obubbi bw’endagamuntu n’ennamba yo ey’obukuumi bw’abantu (Ekiwandiiko No. 05-10064) ne Okukakasa SSN okwesigamiziddwa ku kukkiriza mu byuma bikalimagezi (eCBSV) (ssa.gov/pubs/EN-05-10064.pdf).
• Enkola ya Federo Reserve (Amerika): Obufere mu ndagamuntu ezikoleddwa mu nkola y’okusasula mu U.S.: Ekitabo ky’ebikozesebwa mu kukendeeza ku bikozesebwa n’enkola y’okunnyonnyola (fedpaymentsimprovement.org).

Ebiragiro ebikwatagana nabyo¶

• Okuddamu ku bubbi bw’endagamuntu
• Okuddamu okumenya data n’okuvuba kw’ebigambo by’okuyingira
• Okukozesa obubi ssente n’okukozesebwa
• Okutulugunya abasolooza amabanja
• Okubala emisolo, emisolo egy’emabega, n’okwewozaako ku musaala
• Okumenya akawunti ya bbanka