If you believe accounts were opened or used without your authorization, the appropriate response involves official channels and accurate statements.
Reasonable first steps
Consumers commonly consider the following:
- Reviewing reports from each consumer reporting agency
- Reporting the matter through the appropriate official channels
- Notifying affected creditors
- Considering a fraud alert or security freeze
- Keeping a written record of every contact
Our position
Fred Livai Financial will not submit a false identity-theft claim under any circumstance. A false claim damages credibility and can carry serious consequences.
This article is educational and is not legal advice. Fred Livai Financial does not guarantee deletion of information, a particular credit score, or approval for credit or financing.