Aadhaar Card Fraud: In today’s digital age, while the need for Aadhaar cards has increased, so has their misuse. Many people are falling victim to fraudulent loans taken out in their name, without even knowing that their Aadhaar has been misused. This often comes to light only when they receive calls or notices from the bank or discover a poor credit score. The good news is that you can find out from the comfort of your home whether there is any loan in your name. Checking and complaining at the right time can save you from major problems.
Aadhaar and Fraudulent Loans
The Aadhaar card has become essential for banking, mobile connections, and government services. This is why fraudsters can misuse it to take out loans in your name. People often find out only when they receive recovery calls from the bank or their credit score suddenly drops. This problem is especially common for those who have shared copies or details of their Aadhaar card. Therefore, it is important to check your accounts and credit records regularly.
How to Check with a Credit Report
The most reliable way to find out about any loans in your name is to check your credit report. You can download a free credit report by visiting the websites of agencies like CIBIL, Experian, or Equifax. For example, visit www.cibil.com, enter your PAN card number, Aadhaar number, and other basic information. Your complete credit history will then be displayed, including information about all your loans and credit cards. If you see any loan that you did not take out, then understand that there is a problem.
Check through the Bank or NBFC App
Many banks and NBFCs offer their customers the facility to check their loan status using their Aadhaar number. To do this, log in to the bank’s website or mobile app, enter your Aadhaar number, and verify with an OTP. All the loans associated with your name will then be displayed. If you see any unfamiliar loan, contact the bank immediately. This method is quick and easy.
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How to File a Complaint if You Find a Fraudulent Loan
If you find a fraudulent loan in your credit report, file a complaint without delay. You can register a complaint on the Reserve Bank of India’s portal, Sachet RBI. You can submit your case by filling out all the information here. It is also important to report the incident to your nearest police station or cybercrime cell. Filing a complaint promptly protects both your credit record and your money.
Aadhaar security is the best defense
Sharing your Aadhaar number with strangers can be a huge mistake. Always enter your OTP and other details only on trusted websites or apps. Regularly check your credit report so that any discrepancies can be detected immediately. A little vigilance can save you from significant financial losses.