Recently, Ms. Dai from Guizhou found herself "married twice" for buying a house. One of them turned out to be a man Wang Moumou, who had never met before, and got married in the Civil Affairs Bureau of Linzhang County, Handan City, Hebei Province on 20 13. And her identity card was lost on 20 13. On the same day, the Civil Affairs Bureau of Linzhang County confirmed that 20 13 people were registered as substitute girls in the Civil Affairs Bureau, but the Civil Affairs Bureau could not revoke this record. At present, it is recommended that surrogate women go through legal procedures.
As a valid certificate to prove citizenship, ID card is essential from phone card handling, bank account opening, travel and accommodation to school employment, marriage registration, house purchase loan and company registration. It can be said that citizens can't move without an ID card. Because of this, in the current social life, there are more and more cases of fraudulent use of other people's ID cards, so that some people are "legal persons", "loans" and "married" without knowing it.
Through a large number of practical cases, the hazards of ID card loss mainly include the following points:
1. The ID card was taken to reissue the mobile phone card.
Case 1:
Xiao Li accidentally lost his ID card and bank card during a trip and was at a loss in panic. Before the loss was reported, all funds such as Alipay bank cards were transferred away.
If the ID card is lost, criminals are likely to use it to reissue the mobile phone card, thus obtaining the verification code, easily transferring funds and causing property losses. If communication operators neglect the replacement process of mobile phone cards, the possibility of such harm will be greatly increased.
2. Issued by credit card or loan.
Case 2:
When Mr. Zhang went through the mortgage formalities, he was told by the bank that he could not apply for a loan because of his bad credit record.
It turned out that on 20 15, Mr. Zhang's ID card was lost. Since then, someone has applied for a savings card in a bank in Shenyang, Liaoning Province in the name of Mr. Zhang, and used this card to apply for a loan in an online bank. After several years of loan, the loan principal and interest totaled 57,665,438+05.28 yuan, and the bank reported its bad credit record to the People's Bank of China. Therefore, Mr. Zhang's handling of various loan businesses will be restricted. Buying a house now, credit information can't be approved.
3. Use your own identity to start a company.
Case 3: Teacher Han of Shandong suddenly added a company to her name because of the loss of her ID card, and she got an inexplicable loan of 1.8 million yuan. Because of his failure to fulfill his repayment obligations, Han was also included in the blacklist of those who were executed for dishonesty, which not only made him an old lai, but also made him unable to take high-speed rail, airplanes and other means of transportation, which brought great inconvenience to his work and life.
4. Opening a bank card provides cover for fraud and money laundering.
After the ID card is lost, someone may use someone else's ID card to open a card in the bank, and then sell the ID card and bank card to those in need. Some "entrusted" bank cards are used for fraudulent activities, and some may even be used for "money laundering".
After reading the above cases, I believe that many friends who have lost their ID cards can't help but shudder. Sitting at home is really a disaster! Then, the loss of the ID card was fraudulently used, resulting in such serious consequences. Who should bear the loss?
Who will bear the consequences of losing your ID card and being fraudulently used?
According to the "Comprehensive Reply Opinions on Issues Concerning the Replacement of Lost Resident Identity Cards".
If a resident's ID card is lost and is fraudulently used by others, the fraudulent user and the relevant departments should bear corresponding legal responsibilities, and the person who lost the ID card is not responsible for the behavior that he did not implement.
Moreover, the Law of the People's Republic of China on Resident Identity Cards also stipulates that when an individual needs to show his identity card, the relevant user has the obligation to check the authenticity of the identity card and whether it is "one person, one card" to prevent others from using it fraudulently.
Therefore, if the lost ID card is fraudulently used by criminals, the losses shall be borne by the relevant audit department and the fraudulent user, and the lost or stolen ID card shall not bear relevant responsibilities.
Remedial measures for fraudulent use of identity cards
For Ms. Dai who lost her ID card and got married, the Civil Affairs Bureau now advises Ms. Dai to take legal procedures. Cancel the filing by prosecuting swindlers or defects in the registration procedures of the Civil Affairs Bureau.
For the victims who are found to have fraudulently used loans, don't listen to the scam of any intermediary agency to "whitewash" credit records, and should take formal legal procedures to solve the problem.
First, report to the local public security bureau. After the case is filed, with the report form, it can be used as strong evidence to negotiate with banks, industrial and commercial bureaus and other departments.
Secondly, confirm with the bank that the lender is not himself. Confirm the irrationality of the debt by notarizing that the handwriting on the loan contract is not my own handwriting, or that the loan video is not my own, and contact the bank to clear the debt in time.
Finally, it is very important to remember to eliminate the bad credit record of the central bank. Generally speaking, "fake loan" is a special case. Individuals can put forward an "objection application" in the credit information center of the local people's bank, and provide corresponding materials to prove it according to the relevant requirements of the staff. Upon confirmation, the bad credit record will be removed from the personal credit report within 15 working days.
However, it is worth mentioning that in real life, it is very complicated to deal with the situation that individuals have identity cards being fraudulently used. First, there are a lot of materials that need to be obtained. Second, the time period for settlement is quite long, and the cost for victims to deal with rights protection is very high. Take "married" Ms. Dai as an example. She may be unable to get a loan because she can't cancel her second marriage registration in a short time, which may lead to a breach of contract.
Therefore, in order to reduce this situation, we must pay attention to:
1. Personal privacy information must be protected, especially ID cards and bank cards.
Don't store ID photos in your mobile phone. Now many apps need authentication. If your mobile phone has an ID photo, once it is lost, it will give criminals a chance to transfer funds. In addition, when using a copy of the ID card, you should also make an endorsement to prevent the ID card information from being stolen.
2. Develop the good habit of inquiring personal credit report at least once a year.
By inquiring about the credit information, we can get the abnormal situation of credit information in time, and communicate and deal with it at the first time, so as to have the opportunity to minimize the loss.
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