Recently, a woman in Shaanxi, Huang, broke the news that Feng, a good friend who had been with her for 15 years, secretly borrowed 300,000 yuan in her own name, which led to Huang's debt collection. Not only that, friends often borrow Huang's credit card, and they have overdrawn 30 thousand yuan. Because he is afraid of affecting his credit information, Huang can't contact his friends and can only repay according to the minimum repayment amount every month. Due to the excessive repayment amount and frequent collection, Huang even had suicidal thoughts many times.

Recently, due to the emergence of online loan platform, the review mechanism of various loan products is becoming more and more simple, and sometimes loan applications can be processed only by providing ID card numbers and mobile phone numbers. Some lawless elements took advantage of this and extended their sinful hands to acquaintances and friends around them. At the same time, there are some special financial fraud gangs, who steal other people's identity information and impersonate others to defraud loans.

Changsha Public Security Bureau once handled such a case: a financial fraud criminal gang bought more than 40 lost identity cards from thieves, and used other people's real identity information to handle mobile phone cards and bank cards, and borrowed money from banks, defrauding more than 200,000 yuan within one year.

The police in Kunming, Yunnan once encountered a case. Mr. Long wanted to apply for a bank debit card, but found that he could not apply for a first-class card user. In other words, he has applied for a debit card of the bank before and needs to cancel his account before he can continue to apply, but the citizen said that he has never applied for a card of this bank. I didn't know that there was a debit card under Mr. Long's name. Criminals used Mr. Long's personal information to go to the bank to get a card and transfer the loan. Mr. Long immediately called the police, and the bank found that there was an account abnormality in this card and handled the project. Mr. Long himself does not need to repay this "10 million loan".

Ms. Huang and Mr. Long have different approaches when they encounter information theft. One result is to repay the liar with tears, and the other is to find out the reason and get rid of it. So what should I do if my identity information is stolen?

Don't panic when identity information is stolen.

1. Lost ID card

Many cases of identity information being stolen are due to lost or stolen identity cards. Once you find that your ID card is lost, you should report it to the Public Security Bureau in time. At present, the information system of the Public Security Bureau can be networked, and timely reporting to the Public Security Bureau will effectively prevent it from being used by "willing people". Moreover, when using a copy of your ID card, you should also indicate the good purpose, and don't send your credit information to others casually.

2. Once the information is found stolen.

Once the information is stolen, you should first check with the loan unit. If it is confirmed to be stolen, you should contact the public security organ in time to report the case. At the same time, we should collect all useful "evidence", such as forged loan contracts and certificates without my signature.

3. Bank loans are used fraudulently.

If the institution that impersonates loans is a regular bank, then you don't have to worry too much. First of all, you should negotiate with the bank and provide relevant evidence to prove that the account is abnormal. If the bank refuses to help you solve the problem, or you have lost your credit, you can ask the bank for compensation or even bring a lawsuit directly to the court.

This is because, even if the bank itself is not the direct implementer of the fraud crime, it fails to effectively review the real information of the lender, and the bank subjectively lacks responsibility, which has caused damage and loss to the name right and reputation right of the information holder.

Moreover, due to lax supervision, some small and medium-sized banks often have internal borrowers who use their convenience to borrow money from customers' information. Therefore, in addition to our own attention to information security, we should also check our credit reports regularly through legal channels.

If you need a loan, you should also try to choose a big brand and a reliable platform. Bi 'an is a credit service brand under Xiaoman Finance, which is trustworthy, so you don't have to worry about being cheated when you borrow money. Moreover, formal financial institutions such as banks should also conduct "red line" education for internal employees to prevent internal employees from "knowing the law and breaking the law".

Comprehensive arrangement from: Xiao Yi said finance, Huaihua news network, life law tips.