What if someone uses my identity for a bill or contract?
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Detailed explanation, checklist and sources
Limit further harm, retain evidence and dispute an unfamiliar bill with both the business and debt collector. Arrange the appropriate police report and CMI notification separately. Reporting does not automatically erase a debt or stop court proceedings.
On this page
1. Limit further harm immediately
This guide concerns suspected identity misuse in the Netherlands. If bank or card details are involved, contact your bank immediately through its known official channel and discuss blocking and unfamiliar transactions. Secure affected accounts with new unique passwords and two-factor authentication. Report lost identity documents to the appropriate authority; a lost Dutch ID card also needs attention to its DigiD login function. Do not use contact links in the suspicious message.
Politie · Maatregelen bij mogelijke identiteitsfraude ↗
2. Build a factual evidence record
Keep original messages, bills, reminders, transactions and contract information securely. Make a timeline: what did you discover when, which organisation identifies which order, and what did you do yourself? Separate facts from suspicions. Ask the business for application, order and delivery information supporting its claim and retain proof of sending. Do not upload an identity document, passwords or your full file to this website.
Rijksoverheid · Slachtoffer van identiteitsfraude ↗
3. Dispute the specific bill
If you did not enter into the contract, state in writing which bill you dispute and why. Ask the business to prove the agreement and send your dispute to any involved debt collector too. Do not pay blindly or ignore correspondence. If deception led you to confirm, pay, sign or forward something yourself, have the legal consequences assessed: suspected fraud does not automatically invalidate every contract. Use the draft only for accurate facts.
4. Use the correct police-report route
For an identity-fraud report, Politie.nl directs you to a station appointment through 0900-8844; this is not the general online reporting route. Bring your timeline and supporting material and ask what information is required. A related offence such as online purchase fraud may have a different route. Keep the report number and provide new facts. Call 112 for immediate danger; our preparation is not a police report or guarantee of investigation. If you are misunderstood or reporting stalls, ask for AVIM identity specialists. Also bring evidence that you were elsewhere and any witnesses; Slachtofferhulp Nederland can support you if the impact is severe or agencies do not take you seriously.
5. Choose the appropriate CMI route
Use the CMI decision guide on RvIG.nl for a misused ID copy, orders in your name, a fake profile or other identity fraud. CMI gives advice and may help organisations repair consequences; it does not replace a police report. According to CMI, notification that your ID copy was leaked, without known misuse, does not yet require reporting through that form. Remain alert to phishing and discuss replacement with the municipality if appropriate.
RvIG · Centraal Meldpunt Identiteitsfraude ↗
6. Monitor replies and legal deadlines
Keep the business and collector informed of your dispute and relevant report details. Request written confirmation of investigation and any pause; requesting one does not guarantee suspension. Read all new letters. For a summons, attachment or persistent registration, obtain prompt advice on the particular procedure and deadline, even while CMI is helping. Keep replies and use our own help request for legal preparation; nothing is sent automatically.
Rijksoverheid · Slachtoffer van identiteitsfraude ↗
Politie · Maatregelen bij mogelijke identiteitsfraude ↗
Draft: disputing a bill involving suspected identity misuse
Use only if you did not enter into the stated contract. Complete the facts and placeholders and remove incorrect options. This is not a police report, debt admission or deadline suspension. Send it yourself to verified business/collector addresses, keep evidence and omit unnecessary ID copies.
Edit your draftWord
Your edits stay on this page and are not automatically saved or sent. Complete every placeholder.
Does a CMI notification automatically stop debt collection?
No. Tell the business and collector about your dispute yourself and ask for written confirmation of any pause. A notification or police report is not a court ruling on the bill. Never ignore a summons or another procedural deadline.
Documents to prepare
Prepare your next stepFill in and save · Word
Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
Unless saved in My overview: Your entries stay only on this screen. Download before leaving; closing or reloading clears them. Do not enter identity numbers, passwords or unnecessary personal details.
What do you still need for your next step?
Item 1 / 6 · Where do you stand with this item?
Affected bank details, accounts and documents secured
This overview follows your own answers. It does not assess your rights or guarantee that your file is complete.
Your choices stay here. Use the buttons below if you want to save or download.
View all details, notes and timeline
Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
Your entries are not saved automatically. Choose Save and continue later to store this preparation, including your timeline, in My overview. Wait for confirmation and save new changes again. You can also download a Word file without an account.
Up to 20 events. Choose a different position for an event to change the order.
0 / 6 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
Save and continue later
Clear entries
Download anything you want to keep first. Clearing cannot be undone.
- Affected bank details, accounts and documents secured
- Timeline separating facts, suspicions and your own actions
- Invoice or case reference, business and amount claimed
- Original correspondence and requested contract evidence
- Police and CMI routes, reference numbers and confirmations
- New letters, procedural deadlines and outstanding replies
Contact with a lawyer
You can use the chat and information without a phone number. A contact request requires a phone number, a verified email address and your wish for telephone contact. Our team assesses which partner fits your question. Data is shared only under the stated consent procedure. A partner or engagement is not guaranteed.
View the current application processSources
Need personal assistance? Request a lawyer through our chat. We explain the next step; submitting a request does not engage a lawyer. The links below support the legal information.
Rijksoverheid · Slachtoffer van identiteitsfraude ↗Politie · Maatregelen bij mogelijke identiteitsfraude ↗Politie · Aangifte identiteitsfraude ↗RvIG · Centraal Meldpunt Identiteitsfraude ↗RvIG · Keuzewijzer CMI ↗RvIG · Kopie ID afgegeven en datalek ↗RvIG · Bestellingen op naam ↗ACM ConsuWijzer · Niet eens met de rekening ↗Rijksoverheid · Vermist identiteitsdocument ↗Sources may be in Dutch. General information about Dutch law, not individual legal advice.