The Associated Press is distributing an eye-opening article on the plight of a toddler in Indiana whose identity has been stolen more than once. On one occasion, someone used her SSN to claim her unlawfully as a dependent on a tax return. On another occasion, her info was used to set up phone number in her name. See the Indy Star: Identify thief picks on toddler.
Apparently, it is not "fraud" according to the Deputy Chief of Police, since there was no financial loss to the young girl. I guess they don't count a damaged credit history even before she can crayon a signature on a credit card slip.