FA

Financial Awareness

Contact discovery for dispute resolution

Problem detail

Fraud Loan In My Name

A fraudulent loan has been taken in the consumer’s name without their consent.

Fraud & Identity

Required documents

  • • Credit report showing the fraudulent loan
  • • PAN card, Aadhaar, and identity proofs
  • • FIR or police complaint copy
  • • Correspondence with lender and credit bureau
  • • Any suspicious application details received

Contact order

  1. • Police / Cyber Crime Cell
  2. • Credit Bureau Fraud Desk
  3. • Lender Grievance Officer
  4. • Banking Ombudsman / Regulator

Timeline

  • • FIR registration: 1 day
  • • Bureau fraud acknowledgement: 1–3 days
  • • Investigation: 15–45 days
  • • Deletion/correction: 30–60 days

Escalation path

  • • File an FIR immediately and get a copy
  • • Send the FIR to the credit bureau and lender to start fraud investigation
  • • Follow up with the bureau after 14 days if no response
  • • Take the matter to the ombudsman if the lender or bureau is unresponsive