Problem detail
Unknown Loan In Credit Report
A loan appears in the credit report that the consumer never took or is unaware of.
Credit Report
Required documents
- • Recent credit report showing the unknown loan
- • PAN, Aadhaar and identity proofs
- • Police FIR if fraud is suspected
- • Communication with the lender, if available
Contact order
- • Credit Bureau Fraud / Dispute Desk
- • Lender Customer Support
- • Grievance Officer / Nodal Officer
- • Police / Cyber Crime Cell / Regulator
Timeline
- • Bureau acknowledgement: 1–3 days
- • Fraud investigation: 7–30 days
- • Resolution and deletion: 30–60 days depending on complexity
Escalation path
- • File a dispute with the bureau immediately
- • Lodge an FIR if the loan is clearly fraudulent
- • Escalate to lender’s grievance and nodal officer if the loan is linked to your PAN or Aadhaar
- • Report to the banking ombudsman or RBI if no action in 30 days