Financial education

How to know if my CPF was misused

Do you know how to check if your CPF was misused? There are some platforms that help you with this monitoring and Serasa is one of them. Find out more information in our content.

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CPF used improperly: what to do?

Confira dicas e saiba se o seu CPF está sendo usado indevidamente. Fonte: Adobe Stock.
Check out tips and find out if your CPF is being misused. Source: Adobe Stock.

Having the CPF used improperly is a headache for many people. It may sound incredible, but this still happens a lot today. Even in the face of so much technological advancement and all the use of data protection, many people still suffer from improper registration due to the irregular use of their CPF.

Therefore, this happens because many do not know how to protect themselves from the practice of misuse of the CPF. In addition, some do not even know that there are platforms that were specially developed to protect and assist in monitoring transactions carried out with the CPF.

We are talking, for example, about the platforms developed by Serasa, which really help protect our documentation, more specifically, the CPF. Therefore, in today's content we will address this subject and we will give you tips on what to do in case your CPF is used improperly.

Keep with us and happy reading!

How can I check if my CPF is being used?

Existem plataformas que permitem o monitoramento do seu CPF. Entenda como utilizar. Fonte: Pexels.
There are platforms that allow you to monitor your CPF. Understand how to use. Source: Pexels.

Firstly, the Central Bank has developed a platform where we can check all the activities that were done using our CPF. That is, activities performed by us or others in the event of fraud or theft.

That is, within this platform we can monitor the status of our document and be alerted if the CPF is used improperly.

The name of this platform is Registered. See some of the information available through it:

  • Financing;
  • bounced checks;
  • Registered PIX keys;
  • Exchange operations;
  • International transfers.

Anyway, all this and many other information will be fully available to thousands of Brazilians. In this way, the government itself, through the Central Bank, increases the security of our data, avoiding possible fraud in your CPF.

In addition, there are other ways to check whether your CPF has been misused, that is, through the Serasa or SPC Brasil websites.

Therefore, both platforms have ways of querying and monitoring the CPF. Just go to the website and register. On any of the platforms, it is possible to check the last queries made on your CPF, monitor the score, among other functions. 

Access is free, but in both the user can access a premium version with greater functionality. 

In other words, it is worth keeping an eye out and registering on any of the platforms to be aware of the misuse of your CPF and avoid possible fraud such as document cloning.

Monitoring CPF: how important is it for you?

Understand the importance of monitoring your CPF and learn to identify when it is improperly consulted. Learn more here!

What to do in case of cloned CPF?

Many people go through these situations throughout the year, but few of them really know what they should do and how to act when they discover that they are being robbed or suffering scams related to the CPF.

The practice of cloning documents and, particularly, the CPF that ends up being misused, is a constant in the financial market. Currently, even personal information is found so easily on networks that it ends up giving rise to scammers. 

But how is document cloning done? Therefore, usually the CPF is scanned and changed. That is, the scammer changes your name to his. Thus, you will be able to safely use your data.

However, the responsible bodies have a recommended protocol of actions, in which people can make decisions when faced with this situation. So follow along:

  • Attend the police station closest to you;
  • Make a police report;
  • After that, add proof that you were not the one who moved the CPF;
  • And then make an alert about stolen documents;
  • To do so, simply access the Alerta Documentos Serasa website.

These are the steps you should take when you happen to have your CPF or any other document cloned. Therefore, it is essential that legal action is taken as soon as possible to prevent further damage.

Also, to help you, we've prepared a list of some precautions you can and should take to protect your CPF once and for all.

Precautions you should have with your CPF

Confira os cuidados necessários para evitar que seu CPF seja usado indevidamente. Fonte: Adobe Stock.
Check out the necessary precautions to prevent your CPF from being misused. Source: Adobe Stock.

To prevent your CPF from being misused, we recommend the following precautions:

Do not buy from unknown sites

Top tip: be careful with purchases made on the internet. Therefore, today these purchases are very simple to make and practical. For this reason, more and more people are choosing to shop online.

However, we should under no circumstances make purchases on unknown sites, as this is one of the main ways that scammers use to steal data, such as the CPF.

Therefore, always try to find out about the site and, if possible, make purchases on reputable and reliable sites.

Use the monitoring platform

As we saw in the first topic, the monitoring platform can help customers at all times. That is, they can follow all the movements made in their CPF.

In addition, the frequency with which we do this is very important, as in addition to keeping security and attention focused, we can avoid scams if we find irregularities as soon as possible.

Therefore, invest in monitoring platforms such as Serasa Antifraude, for example.

Watch out for dubious promotions

In addition to online shopping, another way that scammers use the internet are promotions that arrive daily via emails or SMS daily for everyone. 

These promotions usually get a lot of attention, however they end up asking for personal information or advance deposits. Anyway, do not click on them without knowing what they are about and the veracity of their information.

How to monitor your CPF

Finally, invest in platforms that monitor your document to ensure that your CPF is not misused. We have already given tips on this earlier in this content.

Therefore, a manual way for you to verify your CPF is through Registrato, a Central Bank platform. In it, the user can manually enter the number of his document and verify bank type information. That is, if someone used your CPF to open accounts, apply for loans, among others.

Another option is the Serasa platform, that is, Serasa Antifraud. With it, the user has a basic and a premium version. The advantage of Serasa is that it monitors your CPF alone. That is, when paying for the premium version you will receive biweekly reports with everything about your CPF. Whenever a query is made to your document, an alert will be issued to your contact.

That is, this tool almost automates the verification process that we carry out on the Registrato platform. Therefore, it sends an alert to your cell phone when any movement occurs. In this way, it prevents your CPF from being misused.

Did you like the information? So, pay attention to the tips given. If you notice any irregularity, it is worth looking for the authorities, opening a police report and taking all appropriate measures.

In other words, monitor your CPF regularly. Now access our recommended content and learn more about why it is important to invest in protecting your CPF.

CPF protected: why invest in it?

Monitor your CPF and understand why it is important to avoid scams and fraud. Learn more here!

About the author  /  Marina Poncio

Graduated in Financial Management from UNOPAR. Acted as manager of large multinational companies. He is currently dedicated to editing, planning and producing content for the web specializing in economics and finance.

Reviewed by  /  Junior Aguiar

Senior Editor

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