If you believe you are a victim of identity fraud, take the following steps immediately to protect yourself and limit any further damage.
1. Report the Fraud
Contact Action Fraud or call 0300 123 2040 to file a report.
If you are at immediate risk of harm (for example, if a fraudster is currently impersonating your bank), call 999.
2. Protect Your Finances
Contact your bank and credit card providers immediately to report any suspicious activity.
Request new cards, PINs, and online banking credentials if necessary.
If your bank refuses reimbursement and you believe this is unfair, you can escalate through the Financial Ombudsman Service.
3. Check Your Credit Report
Obtain a copy of your credit report from all three major credit reference agencies:
Experian
Equifax
TransUnion
Review your report carefully for unfamiliar accounts or credit applications.
If you identify issues, consider adding a Notice of Correction or applying for CIFAS Protective Registration to help prevent further misuse.
4. Secure Your Online Accounts
Change passwords immediately for your email, banking, shopping, and social media accounts.
Use strong, unique passwords and enable two-factor authentication (2FA) wherever possible.
Stay alert to phishing emails or calls attempting to gain access to your information.
5. Protect Your Mail
If you believe your mail has been stolen, contact Royal Mail to set up a redirection or request an investigation.
Shred or securely dispose of any documents containing personal or financial information.
6. Inform Relevant Organisations
Depending on the nature of the fraud, you should also contact:
The issuing authority if your passport, driving licence, or National Insurance number has been misused.
HMRC or the Department for Work and Pensions (DWP) if tax or benefits identity theft is suspected.
Your employer, if the fraud involves your work identity or professional information.
7. Monitor and Follow Up
Keep a record of all communications, reference numbers, and dates related to the fraud.
Regularly re-check your credit reports to identify any new issues.
Remain vigilant for further suspicious activity.
8. Get Support
You don’t have to handle this alone. These organisations can provide help and advice:
Victim Support - free and confidential emotional and practical support.
Citizens Advice - independent advice on financial and legal matters.