I wonder if Ford in particular is more susceptible?
In any event, I’ve no idea whether a law enforcement eventually looked into it. But the sense I got was no one was going to do a damn thing.
(Oh and Progressive, because they got insurance for the vehicle in my name and also didn’t pay that. But it was 1000x less dollars, literally, so when I told the debt collector “lol not mine” they just went away).
Credit freezes are a joke, because if you have a person's credit report, you have enough information to cancel the freeze, even if you can't temporarily thaw it. Still, maybe it's better than nothing, so might as well. But it's then a pain if you need to interact with the credit system; some of the bureaux have such poor systems that your accounts will regularly not work; anyway, credit issuers don't tend to tell you what bureau they'll pull from until after they pull, so may as well unlock the big 3 before you do anything; and batch all your credit increase requests together.
This sounds like it was used to get a vehicle - which are fairly trackable things. How did the ordeal unfold and conclude?