Identity fraud is one of the fastest-growing crimes in the UK. It occurs when someone uses your personal details—such as your name, date of birth, or financial information—without your permission to commit fraud. Criminals may open bank accounts, apply for loans, or make purchases in your name. If you think you are a victim of identity fraud, it’s vital to act quickly to protect yourself and prevent further damage.
This article explains how to report identity fraud in the UK, the steps to take, and how to protect your identity in the future.
What is Identity Fraud?
Identity fraud happens when someone steals and uses your personal information for their own benefit. This may include:
- Using your credit card or debit card without your permission.
- Applying for loans, mortgages, or mobile phone contracts in your name.
- Accessing your bank accounts.
- Claiming government benefits or tax refunds using your details.
- Creating fake social media profiles or using your identity online.
Identity theft often begins when criminals obtain personal information through phishing emails, data breaches, or by stealing post, documents, or online details.
Signs You May Be a Victim of Identity Fraud
You may not always realise immediately that your identity has been stolen. However, look out for the following warning signs:
- You receive bills or invoices for products or services you did not order.
- Your bank or credit card statements show unknown transactions.
- Debt collectors contact you about debts you don’t recognise.
- You are refused credit despite having a good financial history.
- You stop receiving regular mail, suggesting your post has been redirected.
If any of these signs appear, act immediately.
How to Report Identity Fraud in the UK
Here is a step-by-step guide on what to do if you suspect identity fraud.
1. Report to Your Bank or Financial Institution
If your bank accounts, credit cards, or loans are affected, contact your bank or lender immediately. They can freeze your account, cancel cards, and prevent further transactions. Many banks have dedicated fraud departments available 24/7.
Provide them with details of suspicious activity. They will investigate and help recover any stolen funds if possible.
2. Contact Action Fraud
Action Fraud is the UK’s national reporting centre for fraud and cybercrime. You can report identity fraud online at www.actionfraud.police.uk or by calling 0300 123 2040.
When you report, you’ll receive a crime reference number, which can be used to support your case with financial institutions or credit reference agencies. Action Fraud may pass your case to the National Fraud Intelligence Bureau (NFIB) for further investigation.
3. Check Your Credit Report
Check your credit report with all three major UK credit reference agencies:
- Experian – www.experian.co.uk
- Equifax – www.equifax.co.uk
- TransUnion – www.transunion.co.uk
You can request a free statutory credit report from each. Review the report carefully for any unfamiliar accounts, credit applications, or changes.
If you find anything suspicious, contact the agency immediately to have a fraud marker placed on your file. This will warn lenders to take extra precautions before approving new credit applications in your name.
4. Contact CIFAS for Protective Registration
CIFAS is the UK’s fraud prevention service. You can apply for Protective Registration through CIFAS at www.cifas.org.uk.
This service places a flag on your credit file, alerting lenders and service providers that they must carry out extra checks before approving applications in your name. It usually lasts for two years and helps prevent future identity misuse.
5. Inform the Police (If Urgent)
If you know who committed the fraud or your identity documents (like passport or driving licence) are stolen, report it to the police. Visit your local police station or call 101 (the non-emergency number).
They may ask you to provide your Action Fraud reference number. If you believe you are in immediate danger or the fraudster is actively using your identity, call 999.
6. Replace Stolen or Misused Identity Documents
If your passport, driving licence, or National Insurance number has been compromised, report it to the issuing authority:
- HM Passport Office: Report lost or stolen passports online at www.gov.uk.
- DVLA: Report lost or stolen driving licences at www.gov.uk/report-driving-licence-lost-stolen.
- HMRC: If your National Insurance number has been misused, contact HMRC immediately at 0300 200 3500.
How to Protect Yourself from Future Identity Fraud
Prevention is always better than cure. Here are some practical steps to protect your identity in the future:
- Destroy personal documents – Shred bank statements and bills before disposal.
- Use strong passwords – Avoid using the same password for multiple accounts.
- Be cautious with emails – Don’t click on suspicious links or attachments.
- Keep personal information private – Avoid oversharing on social media.
- Regularly check bank statements – Spot unusual transactions early.
- Monitor your credit file – Consider credit monitoring services for alerts.
- Update contact details – Make sure your bank and service providers have your correct address to prevent mail theft.
What Happens After You Report Identity Fraud?
Once you’ve reported the fraud to Action Fraud and your bank, an investigation will begin. The National Fraud Intelligence Bureau may collect evidence and identify patterns of criminal activity.
Your bank may refund any money lost due to fraud if they confirm it wasn’t your fault. Credit agencies will work to remove false information from your file, though this process may take several weeks.
Act Fast to Protect Your Identity
Identity fraud can cause serious financial and emotional stress, but taking quick and organised action can help limit the damage. Always report suspicious activity immediately, keep an eye on your credit file, and use protection services like CIFAS.
Staying alert, securing your information, and following proper reporting channels are the best ways to defend yourself against identity fraud in the UK.
FAQs About Reporting Identity Fraud in the UK
1. What should I do first if I suspect identity fraud?
Contact your bank or financial provider immediately to secure your accounts, then report the incident to Action Fraud.
2. Is it necessary to report to the police as well?
If your documents are stolen or you know the person responsible, yes, contact the police. Otherwise, Action Fraud is the main reporting body for identity fraud.
3. Will I get my money back after identity fraud?
If your bank determines that the fraud was not your fault, they are usually required to refund your losses. Each case is assessed individually.
4. Can I check if someone has used my name for credit?
Yes. Obtain your credit report from Experian, Equifax, and TransUnion to see if any new accounts have been opened in your name.
5. How long does it take to resolve identity fraud?
It varies. Simple cases may be resolved in a few weeks, while complex ones can take several months.
