ITRC Fact Sheet 139
Requesting Dependant Adult's Credit Report 

If you suspect there is an identity theft case in progress with a senior family member or dependant 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 dependant adult’s Social Security Number.

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

• Senior family member’s/Dependant adult’s full name
• Senior family member’s/Dependant adult’s Social Security Number
• Your name
• Your address
• Your relationship to the senior family member or dependant adult in question
• A request for a credit report in the senior family member’s/dependant adult’s Social Security Number. Remember - the imposter may be using a different name and most definitely a different birth date.
• 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

Please note, 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 / dependant adult.

Many guardians are complaining that they cannot get a response from the CRAs. If you do not hear from any of the below companies 30 days after getting your return receipt postcard, please file a complaint with the Federal Trade Commission – 1-877-FTC-HELP (382-4357).

Do not order a report on a senior family member unless you have a reason to do so.

TransUnion:
Write to:
TransUnion
PO Box 6790
Fullerton, CA 92834.

They ask designated guardians to include:

• A copy of the senior family member’s/dependant adult’s state issued ID card
• A copy of the senior family member's/dependant adult’s Social Security card
• Your cover letter should include the full name of the senior family member/dependant adult, his or her date of birth and previous addresses for the last five years
• 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:
Write to:
Experian
PO Box 9532
Allen, TX 75013.

We ask designated guardians to include the following in their letter:

• A copy of the senior family member’s/dependant adult’s state issued ID card
• A copy of their senior family member's/dependant adult’s birth certificate
• A copy of their senior family member's/dependant adult’s Social Security card
• Their senior family member's/dependant adult’s full name
• Their senior family member's/dependant 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 asks that the legal guardian(s) sends their request to:
Equifax Information Services LLC
Office of Consumer Affairs
P.O. Box 105139
Atlanta, GA 30348

Please include the following in your request-

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

Please refer to ITRC Letter Form 139 – Requesting Dependant Adult’s Credit Report

Copyright October 2009, Identity Theft Resource Center®, all rights reserved.
Created by the ITRC.

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 ITRC@idtheftcenter.org .