ITRC Fact Sheet 139
Requesting Dependent Adult's Credit Report 

If you suspect there is an identity theft case in progress with a senior family member or dependent adult, and you are the designated guardian or court-appointed guardian, you may write the three Credit Reporting Agencies to see if there are credit reports under that senior family member’s or dependent adult’s Social Security Number.

When you write the agencies, place the following items in your cover letter:

  • Senior family member’s/Dependent adult’s full name
  • Senior family member’s/Dependent adult’s Social Security Number
  • Your name
  • Your address
  • Your relationship to the senior family member or dependent adult in question
  • A request for a credit report in the senior family member’s/dependent adult’s Social Security Number
  • A request for a fraud alert to be placed on a report
  • A request that a copy of the credit report be mailed to you immediately

You may find it useful to use ITRC Letter Form LF 139 – Requesting Dependent Adult’s Credit Report when creating your cover letter.

All correspondence must be sent certified, return receipt mail. This is the only way you can prove that you sent the information. You should also include any documentation showing that you have legal responsibility for the senior family member/dependent adult. Below are the addresses for each of the three Credit Reporting Agencies and what you should include in each of their packages.

TransUnion:

Transunion
PO Box 2000
Chester, PA 19016

They ask designated guardians to include:

  • A copy of the senior family member’s/dependent adult’s state issued ID card
  • A copy of the senior family member's/dependent adult’s Social Security card
  • A copy of your own ID card, such as driver’s license or state/military issued photo ID card.
  • If the requestor is the guardian, he/she should state that and additionally include any documentation that would designate them as the legally appointed guardian. Guardianship may be established by power of attorney or an order from the court.

Experian:

Experian
PO Box 9554
Allen, TX 75013. 

They ask designated guardians to include:

  • A copy of the senior family member’s/dependent adult’s state issued ID card
  • A copy of their senior family member's/dependent adult’s birth certificate
  • A copy of their senior family member's/dependent adult’s Social Security card
  • Their senior family member's/dependent adult’s full name
  • Their senior family member's/dependent adult’s date of birth
  • Proof of their address (i.e. utility bill, credit card statement, insurance statement, etc.)
  • Previous addresses for the last five years, if appropriate

Equifax:

Equifax Information Services LLC
Office of Consumer Affairs
P.O. Box 105139
Atlanta, GA 30348

They ask designated guardians to include:

  • A copy of their senior family member's/dependent adult’s birth certificate
  • A copy of their senior family member's/dependent adult’s Social Security card
  • Their senior family member's/dependent adult’s full name
  • Their senior family member's/dependent adult’s date of birth
  • Proof of their address (i.e. utility bill, credit card statement, insurance statement, etc.)

 

This fact sheet should not be used in lieu of legal advice. Any requests to reproduce this material, other than by individual victims for their own use, should be directed to This email address is being protected from spambots. You need JavaScript enabled to view it..

 

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