First, take a deep breath. The text is likely a fraud alert. Verify it’s legit (not a scam text), then tell the bank: “No, that’s definitely not me.” Check your credit reports at AnnualCreditReport.com to see if other fraudulent accounts popped up. If the bank or lender still claims it’s you, dispute in writing or consult an ID theft attorney who can help—often at no cost to you.
