First, collect evidence clues.
For example, keep phone records and chat records, and ask lending institutions for relevant information. For example, the lender can ask the lender for a copy of the contract or even video materials, and prove that he is not a real lender through signature and video.
Secondly, complain to the public security department, industry management department or relevant institutions.
For example, complain to the local credit supervision and management department of the State Council. The institution accepting the complaint shall timely check and handle it, and give a written reply to the complainant within 30 days from the date of acceptance.
What should I do if my personal information is leaked by online loans?
Legal analysis: if the disclosure of personal information leads to online loans, individuals can negotiate with lenders to correct the identity information of borrowers; You can apply to an arbitration institution for arbitration and ask for confirmation that the borrowing responsibility should not be borne by yourself; Or determine the real borrower according to law.
Legal basis: Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases.
Article 2 When a lender brings a private lending lawsuit to the people, it shall provide debt certificates such as IOUs, receipts and IOUs, as well as other evidence that can prove the existence of the legal relationship between lending and borrowing.
If the creditor's rights certificates such as IOUs, receipts and IOUs held by the parties do not specify the creditor, and the parties holding the creditor's rights certificates file a private lending lawsuit, the people shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and if the people think that the plaintiff does not have the creditor qualification after examination, the ruling shall be rejected.
Thirteenth in any of the following circumstances, the private loan contract shall be deemed invalid:
Obtaining loans from financial institutions for lending;
(2) Lending funds obtained by borrowing from other profit-making legal persons, raising funds from employees of the unit or illegally absorbing public deposits;
(3) Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for profit;
(four) the lender knows or should know in advance that the borrower's loan is used for illegal and criminal activities, but still provides loans;
(5) Violating the mandatory provisions of laws and administrative regulations;
(6) Violating public order and good customs.
What should I do if my identity is revealed by someone else's online loan?
Identity disclosure can be solved in the following ways:
1. The impostor should actively negotiate with the bank that handles loans and credit cards;
2. The impostor should pay attention to collecting evidence. In view of the fact that various contracts and evidence of impersonation loan are not signed by myself, you can apply for legal appraisal;
3. The impersonator should not listen to the rumor that any intermediary can whitewash the credit record, and choose formal legal procedures to solve the problem.
The process for banks to handle loans is as follows:
1, apply for a loan, and bring information to the bank outlets to apply for a loan;
2. Audit: the bank verifies the applicant's credit information, assets, personal data and other information;
3. sign the contract. After passing the examination, the bank signs a loan contract with the lender;
4. Loan issuance: the bank issues loans on schedule according to the loan contract;
5. When repaying the loan, the lender shall repay the loan principal and interest in full according to the time agreed in this contract.
Article 16 of the Law of the People's Republic of China on Resident Identity Cards
One of the following acts, given a warning by the public security organs, and impose a fine of 200 yuan. Illegal income, confiscate the illegal income:
Obtaining a resident identity card by using false certification materials;
(2) Renting, lending or transferring resident identity cards;
(3) illegally detaining another person's identity card.