What Is Identity Misuse?

Identity misuse happens when someone else uses your personal data (ID card, family card, tax ID, etc.) to apply for financing, whether intentionally or without the permission of the identity's rightful owner.

The Legal Basis

The legal basis is set out in the Personal Data Protection Law (Law No. 27 of 2022). This law prohibits the unlawful use of personal data, including data forgery or using someone else's identity data to benefit oneself or others.

Under Article 67 of the Personal Data Protection Law, violations can be punished with up to 4-6 years in prison and fines of up to IDR 5-6 billion, depending on the type of violation.

Risks If Your Identity Is Misused

1. You Could Be Billed for a Debt That Isn't Yours
2. Your Credit History (BI Checking / SLIK) Could Turn Bad
3. Your Personal Data Could Be Misused Again
4. You Could Get Caught Up in Legal Trouble

How to Protect Your Identity from Misuse

• Share your data only with official institutions — Make sure they're registered with the OJK and hold a clear license.
• Limit the data you share — Provide only what's needed for the financing process.
• Use official, secure channels — Send your data through official websites or apps, not through personal chat.
• Report it if your data is misused — Contact the OJK, the relevant financing institution, or lapor.go.id if you find a violation.

Don't Wait Until It Happens

Don't let anyone misuse your identity. Contact an official financing institution right away if you notice a suspicious application made under your name.