I’ve been off line for a week and never paid a bad actor fee. How would someone initiate this kind of claim to say the other person was dishonest on the network?

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As far as my understanding goes, a penalty transaction can only be submitted If you try to close a channel with an old commitment transaction.

As long as your channel states are up to date then you can't really be hit with a penalty transaction.

To pull a more articulate quote :

"For example, if Alice broadcasts the commitment with the most current state, Bob shouldn't be able to perform a penalty.

But if Alice broadcasts the revoked commitment transaction, Bob should be able to perform a penalty.

In order for Bob to perform a penalty:

* The transaction must have been revoked

* Bob needs to detect that Alice broadcast a revoked commitment transaction

* Bob needs to broadcast his penalty transaction that sweeps all of the funds before Alice is able to access her funds"