What about loans for no reason?
If you find yourself inexplicably loaned, it is suggested to deal with it in the following ways:
1. Take the initiative to explain the specific situation to the lending institution/platform that requires repayment, and tell the other party that I didn't make the loan, and then you can ask the other party to immediately dissolve the loan relationship and let him go to the borrower in his own capacity to pay back the money without being responsible for repayment.
2. If personal credit report/big data has bad information due to others' failure to repay fake loans, resulting in credit damage, you can contact the People's Bank of China/a third-party data platform to make a complaint.
3. If the lending institution/platform ignores its own explanation and continues to make dunning, and the dispute cannot be clearly resolved, it can choose to bring a lawsuit to the people's court. In the face of personal information being stolen by others, you can also call the police when necessary. If the lending institution/platform borrowed by blind borrowers is found to be irregular, relevant evidence can also be collected and reported to the local CBRC or China Internet Finance Association.
Reasons for being inexplicably loaned:
1. Personal identity information was inadvertently leaked, causing others to steal their identity and make fake loans. Since the other party has kept its own information, the borrowed online loan is naturally counted on its own head.
2. The staff is careless, which may be a new employee, or it may be due to various reasons such as poor state and too much business, and the borrower's application is not taken seriously at work. The bank did not discover false information in time and did not check whether the borrower was himself. Although it is a work mistake, the bank is still responsible.
3. There is something wrong with the loan process. The impostor used loopholes to submit forged false information, and the staff believed the deception of the loan applicant for various reasons. This is a problem of the bank process and needs to bear the responsibility.
4. The bank staff clearly know that the loan applicant has provided false information, forged loans and is suspected of collusion.
That's all. I hope it helps you.