PAN-Aadhaar Loan Fraud: Act Fast If Someone Borrows In Your Name!

• Confirm Fraud: Check all credit reports immediately to identify the fraudulent loan, lender, and details before contacting anyone.
• Dispute with Lender: Email the lender's grievance channel, state the loan is fraudulent, demand KYC details, and request the loan be marked "in dispute."
• File Complaints: Lodge a cybercrime complaint and an FIR/written complaint with the police; this strengthens your case with lenders and bureaus.
• Dispute with Bureaus: Raise disputes with credit bureaus where the loan appears, attaching lender communication and police acknowledgment to correct your score.
• Secure Identity: Lock Aadhaar biometrics via UIDAI, limit PAN/Aadhaar sharing, use masked Aadhaar, and inform your bank about identity misuse.

Why It Matters: Act quickly and systematically to dispute fraudulent loans, secure your identity, and protect your credit score.