If accounts have been opened in your name without your knowledge, report to Action Fraud on 0300 123 2040 or online — you'll get a crime reference number, which is essential for later steps.
Contact each lender showing a fraudulent account. Under FCA rules they must investigate and, if satisfied, remove the debt and any credit file markers. Cifas offers Protective Registration — an extra check on your name for a small annual fee.
For debts that have been passed to collectors, send a copy of the crime reference and any lender confirmation to the collector. Do not pay under threat — a genuine fraud debt is not yours to pay.
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