If you think someone has opened an account using your personal details, you should act quickly.
Check your ClearScore report for anything you don’t recognise, such as:
- accounts you didn’t open
- credit enquiries you didn’t make
- personal details that look wrong, such as an unfamiliar address or contact number
If you see incorrect or fraudulent information on your credit report, you’ll need to let Experian know. Experian provides channels for consumers to dispute information, contact the bureau, and lodge complaints where needed.
You can contact Experian through our Chat, located on the right-hand side of this page.
What to do next
To help protect yourself and reduce potential losses, you should:
- report the fraud to the South African Police Service, and ask for a case or incident number
- contact the credit provider linked to the fraudulent account
- report any lost or stolen cards, ID documents, or other important documents to the issuer
- contact your bank if you think your banking details may have been compromised
- ask the South African Fraud Prevention Service (SAFPS) to place a Protective Registration on your details
Protective Registration alerts participating lenders and organisations that your details may be at risk, so they can take extra care when dealing with applications in your name.