If you suspect that your mom took out loans in your name and that your and your siblings' social security numbers have been shared with others without your consent, it's crucial to take action to protect yourselves. Since you are only 15 years old, it's even more important to address the situation responsibly.
Here are some steps you can consider taking:
Contact a trusted adult: Reach out to a responsible adult, such as a relative, teacher, school counselor, or family friend, and inform them about the situation. They can provide you with guidance and support during this challenging time.
Check your credit reports: Even though you're still underage, you should request your credit reports from all three major credit bureaus (Equifax, Experian, and TransUnion) to see if there is any suspicious activity. If there are unauthorized accounts or loans, you can take steps to dispute them. To request your credit reports, visit AnnualCreditReport.com, which provides free annual credit reports to consumers.
Report identity theft: If you find evidence of identity theft on your credit reports or suspect that your personal information has been misused, you should report it to the Federal Trade Commission (FTC) at IdentityTheft.gov. They will guide you through the necessary steps to address identity theft and protect your credit.
Secure your personal information: As a minor, it's essential to protect your sensitive information from further misuse. Do not share your Social Security Number or other personal details with anyone unless necessary or required by trusted authorities.
Contact the authorities: If you believe that your mom took out loans in your name and committed identity theft, you may need to report this to your local law enforcement. Provide them with all relevant information and any evidence you may have.
Seek legal advice: Consult with an attorney who specializes in identity theft and financial fraud. They can help you understand your rights and options, as well as guide you through any legal processes that may be required.
Family support: If you have relatives or other trusted adults who can provide a stable and supportive environment, consider reaching out to them for assistance during this difficult time.
Remember, this is a serious matter, and it's essential to take action promptly to protect your financial well-being and future. It may be a challenging process, but seeking help from trusted adults and professionals can make a significant difference in resolving the situation.