If someone fraudulently uses information loans, it is recommended to call the police, and the possibility of personal information being stolen is not ruled out. \ Contact banks or financial institutions and inform them; \ Bring a lawsuit to the people to safeguard their legitimate rights and interests. \ Where a loan is made in the name of another person, the relevant provisions of Article 193 of the Criminal Law shall apply. Article 193 A loan crime is committed under any of the following circumstances. Whoever borrows a large amount from a bank or other financial institution for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) Using false certification documents; (four) with false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) Borrowing by other means.
2. What if someone uses my identity information to get a loan?
Generally, banks will not handle bank loans without my ID card, so I need to bring my valid ID card to the bank for face-to-face signing. Conditions for handling bank loans: materials to be prepared for handling loans: fraudulent use of resident identity cards. The Law of the People's Republic of China on Resident Identity Cards stipulates: Article 16 Anyone who commits one of the following acts shall be given a warning by the public security organ and fined less than 200 yuan. If there is illegal income, the illegal income shall be confiscated: (1) using false certification materials to defraud resident identity cards; (2) Renting, lending or transferring a resident identity card; (3) illegally detaining another person's identity card. Seventeenth one of the following acts, by the public security organs fined two hundred yuan to one thousand yuan, or detained for ten days. If there are illegal gains, the illegal gains shall be confiscated: (1) fraudulently using other people's identity cards or using fraudulent identity cards; (2) buying, selling or using forged or altered identity cards. Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs. Article 18 Whoever forges or alters a resident identity card shall be investigated for criminal responsibility according to law. Whoever commits any of the acts listed in Articles 16 and 17 of this Law and commits criminal activities shall be investigated for criminal responsibility according to law. Article 19. If the staff of state organs or financial, telecommunications, transportation, education, medical and other units disclose the personal information of citizens recorded in resident ID cards obtained in the course of performing their duties or providing services, which constitutes a crime, criminal responsibility shall be investigated according to law; If the case does not constitute a crime, it shall be detained by the public security organ from 10 to 15 and fined 5000 yuan. If there are illegal gains, the illegal gains shall be confiscated. Fraudulent use of identity cards can directly apply to the public security organs for filing a case for review.
Third, is it illegal to borrow money by using other people's identity information?
Legal analysis: the crime of borrowing money by using other people's identity information, knowing that it is for the purpose of illegal possession, is a big act of signing and performing contracts. Its constituent elements: 1, the object of this crime: the state's management order of economic contracts and the ownership of public and private property. The object is public and private property; 2. Subject: it can be composed of individuals or units; 3. Objectively, in the process of signing and performing the contract, the behavior of fabricating facts or concealing the truth and property is relatively large.
Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC), if the amount of public or private property is relatively large, it shall be fined up to three years or a single fine; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment and fined; If the amount is especially huge or there are other particularly serious circumstances, it shall be punished, fined or confiscated in accordance with the regulations.