If the credit report records a loan that I didn't do, someone else may have done it with his ID card.
However, we also need to note that many criminals may use other people's ID cards to handle some informal online loans, and these online loans will basically not be connected to the central bank's credit information system, so even if you check the personal credit information report, there will be no record on it. Therefore, you can also go to some third-party inquiry institutions to inquire about your online loan big data to see if there are any online loans you don't know.
Of course, it's best to keep your ID card well at ordinary times, and don't give it to others easily, so as to avoid personal information being leaked and being used by criminals for some illegal activities.