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🚨 What now? privacy problemsCRITICAL — read first paragraph

Someone stole my identity — what now?

Immediately call bank, block card, reset DigiD, report to RvIG and police. Then Fraudehelpdesk + Slachtofferhulp. The complete protocol — first hour to 12 weeks.

Last reviewed: 25 May 2026Reviewed by FFCheck-redactie
Identity theft (Sr Art. 231b) — someone misuses your personal data to cause financial, social, or legal harm. Common forms: opening an account in your name, taking loans via DigiD, getting a phone subscription, fraudulent job applications, creating a false criminal record by lying to police using your name. First 24 hours: time is your enemy. The faster you respond, the less damage. The complete 12-week protocol: week 0-1 = emergency action (bank, card, DigiD, RvIG, police, Fraudehelpdesk), week 1-4 = GDPR actions (access requests to find where your data is, erasure for unlawful processing), week 4-12 = escalation (KIFID for bank denials, UWV fraud report, Belastingdienst report, AP complaint). Our Identity-theft Premium pack (€49) bundles all 10 letters for this protocol. Compensation: banks often refund on quick reporting (~24-72h). On denial: KIFID. For other damages: GDPR Art. 82 damages claim. Document everything: every call, email, letter, amount. You'll get it back later.

Step by step

  1. Immediately call your bank + block card

    Every bank has a 24/7 emergency line. ING: 020-22 888 22. ABN AMRO: 0900-0024. Rabobank: 088-722 6262. Request immediate block of card + all recurring debits. Save timestamp + employee name.

  2. Reset DigiD + all passwords

    DigiD: digid.nl/log-out, then re-activate with activation code (5 working days by post). Passwords for email, social media, banks — all different + via password manager. Enable 2FA (app, not SMS).

  3. Report BSN fraud to RvIG

    RvIG.nl reporting form for BSN fraud. You get a "blocked BSN" marker that warns multiple government bodies (Belastingdienst, UWV, municipality). Takes 1-2 weeks.

  4. File police report

    Criminal case (Sr Art. 231b) — politie.nl or 0900-8844. Creates the file you'll need later for damages claims and as proof of victimhood. Ask for case number.

  5. Report to Fraudehelpdesk

    Fraudehelpdesk.nl or 088-786 76 76 — free advice + pattern-sharing with police. They help with specific fraud forms (e.g. bank-helpdesk, friend-in-need, phishing).

  6. Slachtofferhulp + emotional support

    0900-0101 — Slachtofferhulp assigns a case manager. Identity theft has high psychological impact — take care of yourself, ask for help.

  7. GDPR actions — access + erasure

    Request access (Art. 15) at all organisations that may have your data (banks, telecom, webshops). For unlawful processing: erasure (Art. 17). Our GDPR rights pack (€29) has the 4 letters ready-made.

  8. Escalation after 4 weeks — KIFID, UWV, Belastingdienst, AP

    Bank denies refund? KIFID complaint. UWV benefits misused? UWV fraud office. Belastingdienst fraud? Special reporting line. Nobody responding after 30 days? AP complaint. The Identity-theft Premium pack (€49) has all 5 escalation letters.

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Sources

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