Someone took a loan on your PAN? How to check, dispute and report it
If a loan or credit card you didn’t take appears in your name, (1) get your credit report (you can get one free full report a year from each credit bureau), (2) dispute the entry with the bureau and write to the lender that it is fraud, (3) file a complaint on cybercrime.gov.in (or call 1930) and a police FIR, and (4) if the lender doesn’t resolve it within 30 days, complain to the RBI Ombudsman at cms.rbi.org.in.
Key facts Last verified: 25 Sep 2026
| Item | Details | Source |
|---|---|---|
| Free credit report | One free full credit report a year from each credit information company | RBI |
| Credit bureaus | TransUnion CIBIL, Experian, Equifax, CRIF High Mark | RBI-licensed CICs |
| Cyber complaint | cybercrime.gov.in · 1930 | MHA (I4C) |
| Ombudsman | RB-IOS complaint if the lender doesn’t resolve in 30 days | RBI |
Steps to fix a fraudulent loan
- Download your credit report from the bureau’s official website. Note the lender name, account number and date of the unknown loan.
- Raise a dispute with the credit bureau online, marking the account as “not mine / fraud”.
- Write to the lender (email to their grievance officer) saying you never applied, attach your ID and ask them to close the account and correct the bureau report. Keep the complaint number.
- File a cyber complaint on cybercrime.gov.in (or call 1930) and a police FIR. Send copies to the lender.
- If the lender doesn’t resolve it within 30 days, file a complaint with the RBI Ombudsman at cms.rbi.org.in.
Prevent it happening again
- Don’t share PAN/Aadhaar photos on WhatsApp, social media or unknown loan apps.
- Write the purpose and date on any ID copy you give.
- Use masked Aadhaar where possible — see masked Aadhaar.
- Check your credit report every few months (use the free annual report from each bureau in turn).
Frequently asked questions
How do I know if someone took a loan on my PAN?
Check your credit report from TransUnion CIBIL, Experian, Equifax or CRIF High Mark. Each gives one free full report a year.
How do I remove a fraudulent loan from my credit report?
Dispute it with the credit bureau, write to the lender, file a cyber complaint and FIR, and escalate to the RBI Ombudsman if unresolved in 30 days.
Am I liable to repay a loan taken fraudulently in my name?
If you did not apply or consent, report it immediately with evidence. Lenders must investigate; keep all complaint records.
Official links
Use only these government websites. HumainOne is not connected to any of them.
- Reserve Bank of IndiaCredit information rules
- RBI Complaint Management SystemOmbudsman complaints
- National Cyber Crime Reporting PortalReport fraud (or call 1930)
Disclaimer: HumainOne is an independent information website. We are not affiliated with UIDAI, the Income Tax Department, EPFO, NPCI, the Election Commission, the Government of Maharashtra or any government body. We do not accept applications, documents or fees. Information is checked against official sources on the date shown but rules change — always confirm on the official website before acting. Calculators give estimates, not official figures, and this is not tax or legal advice.