My identity has been stolen — where do I report it?
If your identity is stolen, take these four actions immediately: (1) Call CMI (Identity Fraud Centre) at 088-900 1111 — they help limit damage and guide your next steps. (2) File a police report at politie.nl/aangifte — you need the report number for banks and city. (3) Lock your bank accounts — ING 020-228 8888, Rabobank 088-246 2015, ABN AMRO 0900-0024. (4) Replace DigiD via digid.nl or call 088-123 6555. Also change all passwords and check your BKR credit registration.
Step by step
- 1Call CMI for coordinationIdentity Fraud Centre (088-900 1111) is your starting point. They help prioritize what comes first (bank, DigiD, city, credit bureau) and track your progress.
- 2Police report with evidenceVia politie.nl/aangifte or in person. Bring all fraudulent mail/email/SMS, unusual bank transactions, lost documents. You get a report number.
- 3Lock bank accountsCall your banks immediately. They lock cards, replace them, and monitor transactions. For PSPs (PayPal, etc.): contact separately.
- 4Replace DigiDVia digid.nl or 088-123 6555. Also enable 2-step verification via the app. Without DigiD lock, the fraudster can file tax returns, request benefits, etc.
- 5BKR check + credit registryCheck at bkr.nl if new loans are registered in your name. Foreign registrations: request explanation via BKR from the lender.
- 6Engage Victim SupportSlachtofferhulp Nederland (0900-0101) provides emotional and practical support, especially when consequences persist.
All contacts
Frequently asked questions
Is identity theft a crime?
Yes, since 2014. Maximum sentence 5 years (Article 231b Dutch Penal Code). The perpetrator is also civilly liable for damages you suffered.
Do I need a new passport?
Only if your passport was physically stolen. For digital identity theft (DigiD, data): passport stays valid, but call CMI anyway.
What does CMI do for me exactly?
CMI coordinates: they call banks on your behalf, help with BSN-lock at the city, communicate with Tax Authority about fraudulent filings, and centrally track your case.
Can I change my BSN (citizen service number)?
In extreme cases yes, but very rare and complex (requires city council decision). Usually securing and monitoring all accounts is enough.
Do I need to change my BSN?
BSN is not changed — too much downstream impact. Only get a new DigiD account. For persistent fraud: extra warning flag in BRP via city.
Who pays damages from identity theft?
On successful fraud: bank/supplier must prove YOU were negligent. If they can't: they bear the loss. Phishing where you gave code: shared blame. CMI helps build the case.
Sources
🔎 Common search queries
Recognise your own search? Our answer above covers all of these variants.
- “identity theft Netherlands”
- “CMI ID-fraude report”
- “block DigiD account”
- “leaked data what to do”
- “bank fraud reporting”