Identity theft — Policie ČR · Czechia

Direct answer

Three tracks at once. Report to Policie ČR — oznámení (158) — the crime report is the document every bank, shop and credit agency will ask for. Tell Your bank — card and payment line and any lender or shop that contacted you, in writing, that the account or order is fraudulent — they must stop collection while they check. And ask Úřad pro ochranu osobních údajů (ÚOOÚ) (234 665 111) how to get a fraud alert or a note on your credit file, and how to force companies to delete data they hold "on you" that is really the fraudster's. Keep a single folder: every letter, every case number.

Call firstPolicie ČR — oznámení

Report toÚřad pro ochranu osobních údajů (ÚOOÚ)

If that failsYour bank — card and payment line

🗣️ What to say

"My identity has been misused since about [date]: [accounts / orders / loans] were opened in my name at [companies]. I did not do this. Police report [number]. I ask you to close the account, stop all collection, remove the entry from any credit register and confirm in writing."

🪜 Step by step

Crime reportOnline where possible, with everything you know. Get the case number.
Freeze what you canBank: new cards, new passwords, alerts on. Email: change the password, check forwarding rules. Phone: check for a SIM swap.
Write to every companyFraudulent account, police number, stop collection, delete. Keep proof of sending.
Credit fileAsk Úřad pro ochranu osobních údajů (ÚOOÚ) or the credit registers for your file and a fraud note; contest every entry that is not yours.
Watch for a yearMail that stops arriving, unknown letters, a rejected credit check — each is a clue.

📇 All contacts

Policie ČR — oznámeníCriminal complaint online or at a stationAlways — the basis for bank, insurer and platform📞 158 🔗 www.policie.cz/clanek/oznameni-trestneho-cinu.aspx

Úřad pro ochranu osobních údajů (ÚOOÚ)Complaints against companies, inspections, finesWhen the company does not answer within a month or misuses data📞 234 665 111 🔗 uoou.gov.cz

Your bank — card and payment lineRecall a transfer, chargeback, block a card, freeze the accountImmediately, 24/7 — the number is on the back of your card

Finanční arbitrFree dispute decisions against banks and payment institutionsAfter complaining to the bank without a solution📞 257 042 070 🔗 www.finarbitr.cz

Bílý kruh bezpečí — 116 006 / Probační a mediační službaFree victim support, state compensationAfter any crime📞 116 006 🔗 www.bkb.cz

❓ Frequently asked

A debt collector says I owe money for something I never bought

Send the police report and a dispute letter; collection must stop. See the debt-collector page.

My passport or ID copy was leaked

Report it, consider a new document, and tell the register: a "lost/stolen" flag makes the copy useless for fraud.

Who pays for the loan someone took in my name?

Not you, if you did not sign and you reported it. The lender bears the risk of an unverified customer; the ombudsman decides if they insist.

📎 Sources

Last checked: 2026-09-26

🔎 Common searches

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“identity theft what to do Czechia”
“someone took a loan in my name”
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“fraud alert credit register”
“account opened in my name”

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🆔 Someone is using my identity — accounts, orders, loans in my name — who do I contact?