Experian for Minors
Sign Up Today for Your 24-Month Experian IdentityWorks Minor Plus Membership
Ways to Enroll
Enroll online at https://www.experianidworks.com/minorplus
OR
Enroll by phone at 1-833-918-5161 toll-free Monday through Friday from 9 a.m. - 9 p.m. EST (excluding major U.S. holidays).
Verification Numbers
Activation code: PSFPCKJT96
Engagement number: B129988
*You must enroll by March 31, 2025.
If you have questions or need assistance, please contact Experian’s Customer Care Team at 1-833-918-5161.
August 21, 2024
RE: Important Security Notification. Please read this entire letter.
Dear Parent or Guardian of an Impacted Minor Dependent,
The City of Columbus (the “City”), recently discovered that it was the victim of a cybersecurity incident that may affect the security of your minor dependent’s personal information. We want to provide you with information about the incident, steps we are taking in response, and steps you may take to guard against identity theft and fraud.
What Happened? On July 18, 2024, the City discovered that it had experienced a cybersecurity incident in which a foreign cyber threat actor attempted to disrupt the City’s IT infrastructure, in a possible effort to deploy ransomware and solicit a ransom payment from the City. The City’s continuing investigation of the cyber security incident has determined that the threat actor gained unauthorized access to the City’s technology infrastructure. Further discovery indicated the incident allowed the threat actor to view and access certain sensitive personal information. The incident was discovered expeditiously, cyber security experts were retained, and proper security measures were conducted to contain the incident.
What Information Was Involved? The information subject to the incident may have included sensitive personal information, such as your minor dependent’s first and last name, date of birth, address, Social Security number, bank account information, driver’s licenses, and other identifying information. Please note that we are providing this notification out of an abundance of caution because your minor dependent’s personal information may have been exposed, however, an investigation is still ongoing to determine the full extent of the incident.
What Are We Doing? We take the protection of your minor dependent’s personal information seriously and are taking steps to prevent a similar occurrence. Upon learning of the incident, the City’s Department of Technology quickly identified the threat and took action by severing internet connectivity and immediately mobilizing a response team. The City engaged cyber security experts to guide them through this occurrence, and while the threat actor’s activity was disrupted, an investigation is still ongoing to determine the amount of City data that may have been accessed. Law enforcement was notified, and the City has retained legal counsel to ensure that response and remediation comply with all federal, state and local laws and regulations.
Additionally, the City is in the process of conducting a full forensic security audit to determine the extent of the incident. The Department of Technology, working with federal authorities and cybersecurity experts, has been engaged in a methodical process to ensure that its technology systems are hardened against further breach before bringing them back online. Thankfully, the emergency systems have remained operational throughout these efforts to protect and restore IT connectivity. The incident remains ongoing and the investigation is in its earliest stages. The City’s Department of Technology will continue to work closely with our cyber security experts to ensure we remain vigilant in the security of our operations.
What Actions You Can Take? As always, we recommend that you be on the alert for suspicious activity related to your minor dependent’s financial accounts and credit reports. While minors under the age of eighteen typically do not have credit files, the following information relates to protecting one’s credit once established:
We encourage you to regularly monitor your minor dependent’s statements and records to ensure there are no transactions or other activities that you did not initiate or authorize. You should report any suspicious activity to the appropriate service provider. If you observe unusual activity on any debit/credit card or you believe your minor dependent’s personal bank account shows signs of compromise – we advise you to close out those accounts and request new cards and account credentials.
Additionally, you should report incidents of suspected identity theft to your local law enforcement, the Federal Trade Commission, and your state attorney general. To file a complaint with the FTC, go to IdentityTheft.gov or call 1-877-ID-THEFT (1 (877) 438-4338). Complaints filed with the FTC will be added to the FTC’s Identity Theft Data Clearinghouse, which is a database made available to law enforcement agencies. Information on how to contact your state attorney general can be found below:
Attorney General Dave Yost
State Office Tower
30 E. Broad St.
Columbus, OH 43266-0410
(614) 466-4320
https://www.ohioattorneygeneral.gov/About-AG/Contact
Please take advantage of additional free resources on identity theft. We recommend that you review the tips provided by the Federal Trade Commission’s Consumer Information website, a valuable resource with some helpful tips on how to protect your information. Additional information is available at https://www.consumer.ftc.gov/topics/privacyidentity-online-security.
For more information, visit IdentityTheft.gov or call 1-877-ID-THEFT (1-877-438-4338). A copy of Identity Theft – A Recovery Plan, a comprehensive guide from the FTC to help you guard against and deal with identity theft, is on the FTC’s website at https://www.consumer.ftc.gov/articles/pdf-0009_identitytheft_a_ recovery_plan.pdf.
Request a Social Security Number Search
You can request each of the three national credit reporting agencies perform a manual search for a minor’s or protected person’s Social Security number to determine if there is an associated credit report. For more information about Child Identity Theft and instructions for requesting a manual Social Security number search, visit the FTC website: https://www.consumer.ftc.gov/articles/0040-child-identity-theft.
Placing a Security Freeze
Any consumer in Ohio may place a free security freeze on his or her credit report by: (i) requesting one in writing by certified mail to the consumer reporting agency, (ii) calling the agency directly, or (iii) submitting a form online directly to the agency. The consumer reporting agency is not allowed to charge a fee to victims for placing, removing for a specific period or party, or removing a security freeze on a credit report. A security freeze prohibits a credit reporting agency from releasing any information from a consumer’s credit report without written authorization. However, please be aware that placing a security freeze on your minor dependent’s credit report may delay, interfere with, or prevent the timely approval of any requests made that deal with credit services. We recommend that you work collaboratively with potential lenders, employers and service providers to ensure that you are protecting both your minor dependent’s information and the approval status of the applicable request.
In order to place a security freeze on your minor dependent’s credit reports, you must contact all three bureaus. For victims of identity theft, there are no fees. Your request to place a security freeze must be to each of the three major consumer reporting agencies: Equifax (www.equifax.com); Experian (www.experian.com); and TransUnion (www.transunion.com), at the addresses below:
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
(888) 298-0045
https://www.equifax.com/personal/credit-report-services/credit-freeze/
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
(888) 397-3742
https://www.experian.com/freeze/center.html
Trans Union Security Freeze
Fraud Victim Assistance Department
P.O. Box 2000
Chester, PA 19022-2000
(888) 909-8872
https://www.transunion.com/credit-freeze
The credit reporting agencies have three (3) business days after receiving your request to place a security freeze on the credit report, so we recommend placing the freeze as soon as you possibly can. The credit bureaus must also send written confirmation to you within five (5) business days and provide you, or your minor, with a unique personal identification number (PIN) or password, or both that can be used by you to authorize the removal or lifting of the security freeze.
Lifting or Suspending a Security Freeze
To temporarily lift or suspend the security freeze in order to allow a specific entity or individual access to your minor dependent’s credit report, you must call, request one online, or send a written request to the credit reporting agencies by mail, or via their online form, and include proper identification (name, address, and social security number) and the PIN number or password provided when you placed the security freeze as well as the identities of those entities or individuals you would like to receive your minor dependent’s credit report, or the specific period of time you want the credit report available. The credit reporting agencies have three (3) business days after receiving your request to lift the security freeze for those identified entities, or for the specified period of time.
Removing a Security Freeze
To remove the security freeze, you can either submit the request online, or send a written request to each of the three credit bureaus by mail, or via their online form, and include proper identification (name, address, and social security number) and the PIN number or password provided when you placed the security freeze. The credit bureaus have three (3) business days after receiving the request to remove the security freeze.
Fraud Alerts
As an alternative to a security freeze, you have the right to place an initial or extended “fraud alert” on your minor dependent’s file at no cost. An initial fraud alert is a one-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If your minor dependent is a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should you wish to place a fraud alert on behalf of your minor dependent, please contact any one of the agencies listed below:
Equifax Fraud Alert
P.O. Box 105069
Atlanta, GA 30348
(888) 298-0045
https://www.equifax.com/personal/credit-report-services/
Experian Fraud Alert
P.O. Box 9554
Allen, TX 75013
(888) 397-3742
https://www.experian.com/help/
TransUnion Fraud Alert
P.O. Box 2000
Chester, PA 19016
(833) 395-6938
https://www.transunion.com/credit-help
Credit Monitoring
Based on recent public feedback as a good government community partner, and out of an abundance of caution, to help protect your minor dependent’s identity, we are offering complimentary access to Experian IdentityWorksSM Minor Plus program for 24 months.
If you believe there was fraudulent use of your minor dependent’s information as a result of this incident and would like to discuss how you may be able to resolve those issues, please reach out to an Experian agent. If, after discussing your situation with an agent, it is determined that identity restoration support is needed then an Experian Identity Restoration agent is available to work with you to investigate and resolve each incident of fraud that occurred from the date of the incident (including, as appropriate, helping you with contacting credit grantors to dispute charges and close accounts; assisting you in placing a freeze on your minor dependent’s credit file with the three major credit bureaus; and assisting you with contacting government agencies to help restore your minor dependent’s identity to its proper condition).
Please note that Identity Restoration is available to your minor dependent for 24 months from the date of this letter and does not require any action on your part at this time. The Terms and Conditions for this offer are located at www.ExperianIDWorks.com/restoration.
While identity restoration assistance is immediately available to your minor dependent, we also encourage you to activate the fraud detection tools available through Experian IdentityWorks Minor Plus program as a complimentary 24-month membership for your minor dependent. This product provides you, and your minor, with superior identity detection and resolution of identity theft. To start monitoring your minor dependent’s personal information, please follow the steps below:
- Ensure that you enroll by March 31, 2025 (Your code will not work after this date.)
- Visit the Experian IdentityWorks Minor Plus website to enroll: https://www.experianidworks.com/minorplus
- Provide your activation code: PSFPCKJT96
- Provide your minor’s information when prompted
If you have questions about the product, need assistance with Identity Restoration that arose as a result of this incident or would like an alternative to enrolling in Experian IdentityWorks Minor Plus program online, please contact Experian’s customer care team at 1(833) 918-5161 by March 31, 2025. Be prepared to provide engagement number B129988 as proof of eligibility for the Identity Restoration services by Experian.
ADDITIONAL DETAILS REGARDING YOUR MINOR’S 24-MONTH EXPERIAN IDENTITYWORKS MINOR PLUS MEMBERSHIP
A credit card is not required for enrollment in Experian IdentityWorks Minor Plus program. You can contact Experian immediately regarding any fraud issues, and have access to the following features once you enroll in the Experian IdentityWorks Minor Plus program:
- Social Security Number Trace: Monitoring to determine whether enrolled minors in your household have an Experian credit report. Alerts of all names, aliases and addresses that become associated with your minor’s Social Security Number (SSN) on the Experian credit report.
- Internet Surveillance: Technology searches the web, chat rooms & bulletin boards 24/7 to identify trading or selling of your personal information on the Dark Web.
- Identity Restoration: Identity Restoration specialists are immediately available to help you address credit and non-credit related fraud.
- Experian IdentityWorks ExtendCARETM: You receive the same high-level of Identity Restoration support even after your Experian IdentityWorks Minor Plus membership has expired.
- $1 Million Identity Theft Insurance**: Provides coverage for certain costs and unauthorized electronic fund transfers.
For More Information. We sincerely regret any inconvenience or concern caused by this incident. If you have further questions or concerns, or would like an alternative to enrolling online, please call 1(833) 918-5161 toll-free Monday through Friday from 9 am – 9 pm Eastern] (excluding major U.S. holidays). Be prepared to provide your engagement number B129988.
Thank you for your immediate attention to this situation, as well as your understanding in the short-term. Our cyber security, as well as the safety and stability of our citizens, including minor dependents, is of the utmost importance to us and we remain committed to protecting your information. Again, we sincerely apologize for any impact caused by this incident. We will continue to monitor the incident and advise you of any updates as may be necessary.
Sincerely,
Andrew J. Ginther
Mayor, City of Columbus
** The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
For District of Columbia residents, the District of Columbia Attorney General may be contacted at: 400 6th Street, NW, Washington, D.C. 20001; 202-727-3400; and oag.dc.gov.
For Maryland residents, the Maryland Attorney General may be contacted at: 200 St. Paul Place, 16th Floor, Baltimore, MD 21202; 1-410-576-6300 or 1-888-743-0023; and https://www.marylandattorneygeneral.gov/.
For New Mexico residents, consumers have rights pursuant to the Fair Credit Reporting Act, such as the right to be told if information in their credit file has been used against them, the right to know what is in their credit file, the right to ask for their credit score, and the right to dispute incomplete or inaccurate information. Further, pursuant to the Fair Credit Reporting Act, the consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to consumers’ files is limited; consumers must give consent for credit reports to be provided to employers; consumers may limit “prescreened” offers of credit and insurance based on information in their credit report; and consumers may seek damages from violators. Consumers may have additional rights under the Fair Credit Reporting Act not summarized here. Identity theft victims and active-duty military personnel have specific additional rights pursuant to the Fair Credit Reporting Act. We encourage consumers to review their rights pursuant to the Fair Credit Reporting Act by visiting www.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
For New York residents, the New York Attorney General may be contacted at: Office of the Attorney General, The Capitol, Albany, NY 12224-0341; 1-800-771-7755; or https://ag.ny.gov.
For North Carolina residents, the North Carolina Attorney General may be contacted at: 9001 Mail Service Center, Raleigh, NC 27699-9001; 1-877-566-7226 or 1-919-716-6000; and www.ncdoj.gov.