First of all, there may be several reasons why you can't find the online loan you borrowed in the past:
1. Online lending platforms are closed or replaced: Some online lending platforms may have been closed or renamed many years ago, which makes it impossible for you to find relevant information on the existing online lending platforms.
2. Limited data storage time: According to data protection policies and technical restrictions, some online lending platforms may delete the records of past loans after a period of time, which makes it impossible for you to view them again.
3. Change of mobile phone number or identity information: If the mobile phone number or identity information you used when borrowing money has changed, you may not be able to find relevant records through the original information.
In order to explain the above conclusions in more detail, please refer to the following notes:
First of all, if the online lending platform is closed or renamed, the online loans borrowed in the past will not be found on the existing platform. This may be due to changes in the regulatory policies of the online lending industry, the closure of some illegal or unpopular platforms, or the change of brand names in order to optimize business strategies. So you may need to find relevant announcements or news reports to determine whether the platform has been changed or closed.
Secondly, the online lending platform may limit the storage time of data for the purpose of data protection. Because the online lending platform handles a large amount of loan information and personal data, some past loan records may be deleted in order to comply with relevant privacy protection laws and regulations. Therefore, if your borrowing time has exceeded the data storage time specified by the platform, you may never find relevant information through the platform again.
Finally, if the mobile phone number or identity information you used to borrow money has changed, you may not be able to find the relevant records through the original information. Online lending platforms usually rely on mobile phone numbers and identity information to verify the identity of borrowers and establish loan records. If this information changes, such as changing the mobile phone number or updating the ID number, then the loan records related to this may no longer be available.
To sum up, the reason why the online loan borrowed a few years ago cannot be found may be that the online loan platform is closed, the data storage time is limited, or your mobile phone number and identity information have changed. If you need more detailed information, I suggest you contact the relevant online lending platform or consult professionals to get personalized answers.
Supplementary information: According to the relevant laws and regulations of China, the online loan industry needs to abide by the Contract Law of People's Republic of China (PRC) and the Cyber Security Law of the People's Republic of China. These laws and regulations are aimed at protecting the rights and interests of borrowers and maintaining network security, but they do not specify details such as data storage time, closing or replacement procedures of online lending platforms.
I hope the above answers can help you. If you have any other questions, please feel free to ask.