What to do if you're a victim of identity fraud

Woman looking at her credit report

Becoming a victim of identity fraud can be emotionally upsetting.

You are probably feeling very overwhelmed but it's important to take action quickly when you realise your identity has been stolen.

Contact your bank

  • Immediately report any lost or stolen credit or debit cards to the organisations that issued them.
  • Contact the relevant bank, credit card provider or other lenders (as well as any others you have accounts with) to inform them that you've been the victim of identity fraud. They will investigate the issue and, in some instances, they will contact the police on your behalf. Be prepared to provide proof of your identity and statements showing your home address if requested.
  • If a bank or lender contacts you about credit that you don't know anything about, tell them this right away.

Report it to Action Fraud

  • Report the fraud to Action Fraud – the UK's national fraud and internet crime reporting centre – and they will advise on steps to take and further organisations to contact.

Contact Experian

As part of our free Identity Monitoring service:

  • Get a copy of your Experian Credit Report and check it for fraudulent information.
  • Our dedicated Victims of Fraud team will work with you to contact lenders and clean up your credit record.
  • We can apply Cifas Protective Registration – this will alert most lenders to the fraud so they will take extra care when dealing with applications that are in your name.
  • We'll also contact the other credit agencies for you.

Stay in control

  • Contact Royal Mail if you think your post has been stolen or if a mail redirection has been set up on your address.
  • Keep a record of all your calls, letters and emails about the fraud.
  • Report all lost or stolen documents such as passports or driving licences to the issuing organisations.
  • You can contact the Mailing Preference Service to have your name removed from any mailing lists – this service is free and will help stop marketing materials going to your old addresses.

Experian's Identity Fraud Monitoring

Experian's Identity Fraud Monitoring actively alerts you to specific changes on your credit report which could be potential fraudulent activity. It can help you spot fraud, fix it and add extra protection for your personal information in the future.


ProtectMyID, now FREE

With identity fraud monitoring from Experian, you'll get:

  • Alerts when certain changes to your credit report may indicate fraud
  • A dedicated fraud expert should you be a victim of fraud
  • Additional protection if you are at risk of becoming a victim of fraud
  • One off review of your Experian Credit Report
  • Follow up checks after a case is resolved