Identity theft

Utsatt för ID-stöld - Engelska

Has someone taken out loans, purchased goods, or signed up for subscriptions in your name without your knowledge? If so, you have been a victim of identity theft and fraud. You need to take immediate action.

Translated page: This text has been translated from Swedish. The text and appearance of the page may look different from the original page.

Identity theft

  1. Report the identity theft to the police.

  2. Check transactions with your bank.

  3. Block your personal identity number with credit reference agencies.

  4. Cancel your ID card or driving licence.

  5. Dispute any incorrect claims.

  6. Contact the Swedish Tax Agency (Skatteverket).

  7. Contact Svensk Adressändring (Swedish Address Change Service).

  8. Seek support from your local municipal budget and debt counselling service.

More about the steps in the checklist

  • Call 114 14 or go to your nearest police station to report the identity theft.

  • Review your accounts, loans, and bank cards. It is important to ensure that no credit has been taken out in your name or that there have been no unauthorized transfers from your account. Contact your bank immediately if there have been transfers from your bank account that you do not recognize. They will then investigate if and how the unauthorized transaction occurred.

  • You can block your personal identification number whit the credit reference agencies. If someone tries to take out a loan in your name, the company or bank the fraudster wants to borrow from will not be able to perform a credit check. This prevents the fraudster from borrowing money in your name. The major credit reference agencies cooperate . Therefore, it is often sufficient to block your credit report with one of them, and they will help block it with the others.

    List of credit reference agencies (the Swedish Authority for Privacy Protection's website, in Swedish)

  • Block your ID card or driver’s license if you have lost it. Contact the company or authority that issued the card.

  • If you have received an invoice or payment demand for something you did not order, you must dispute the invoice or demand. You do this by contacting the company that sent the invoice and explaining the situation.

    How to dispute an invoice

    If someone has taken out a loan in your name, you can read more about what to do on konsumenternas.se.

    What to do if you have been a victim of loan fraud (konsumenternas.se, in Swedish)

  • If you have been a victim of identity theft, you should contact the Swedish Tax Agency to check that no one has changed your registered address.

    Identity fraud (on the Swedish Tax Agency’s website)

  • Check with Svensk Adressändring to ensure that no mail forwarding has been set up for your address.

  • If you need help managing your finances, you can receive support from your municipality’s budget and debt counseling service. This service is available in all municipalities and is free of charge.

    The counselor is bound by confidentiality. If you prefer to start by receiving general advice, you can also remain anonymous.

    Search for municipal budget and debt counseling (in Swedish)

Economic abuse

  • Financial problems can be a sign of economic abuse. Economic abuse is a form of domestic abuse where someone controls or restricts another person’s access to money and financial resources.

    This can include, for example, someone controlling your bank accounts or online banking, taking out loans in your name, or preventing you from earning an income.

    You can find more information about economic abuse and what you can do if you are affected on our website. Public authorities, municipalities and organisations can offer support.

    Are you experiencing economic abuse (in Swedish)