Fake loans on PAN card: In today’s digital era, people’s work has become easier. People can easily transact anywhere and anytime. The digital era has made people’s work easier. It has created as many problems. Due to this, cases of fraud are also increasing rapidly. Many times it happens that fake loans are taken in people’s names, and they come to know about it only after their credit score falls or the bank refuses to give a loan, then they get information about it. Nowadays, people’s documents are also forged.
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Can a fake loan be taken from a PAN card?
For information, let us tell you that in India, a PAN card is an important document that is used in many important works like opening a bank account, taking a loan, or investing. But when this information reaches the wrong hands, a loan can be taken in your name without your knowledge. In such a situation, many times online loan companies approve the loan only with a scanned copy of the documents. If you have ever shared your PAN card somewhere or it has been leaked in some way, then it can be misused.
How to find out a fake loan in your name?
The easiest way to do this is to check the credit score in your name. For this, you can visit the website named CIBIL Score, Experian, Equifax, CRIF High Mark, and see your report for free or by paying some money.
How to check the report
- Go to the website of the concerned credit bureau, cibil.com
- Enter your PAN number, mobile number, and email
- After this, verify with OTP
- Now your credit report will appear on the screen
- If any loan is seen in it that you have not taken, then it can be a sign of fraud.
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What to do if you get a fake loan in your name?
- If the investigation reveals any unknown loans, take these steps immediately:
- Contact the bank or lending company that has given the loan
- File a complaint with the concerned credit bureau. Most websites have a “Dispute Resolution” option
- Prepare your identity documents, details of the suspicious loan, and an affidavit
- Then complain to your nearest cybercrime cell
- Now go to cybercrime.gov.in and file an online complaint