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If you lose your ID card and report the loss, you are found to have done something illegal or obtained a loan. Does this have anything to do with the owner?
As long as it is true that someone else has done something illegal with his ID card, even if he has not reported it in time, it will not lead to illegality.

Because no matter whether the ID card is useful or not, it must be the certificate held by the person concerned, that is, after that, the photo and the holder are the same person, and then it can be used as a valid certificate.

If the parties to the administrative organ fail to confirm or find the problem according to the regulations, the organ or agent will bear the corresponding responsibility for the consequences.

Extended data:

If your ID card is lost, you don't have to report it or declare it in the newspaper:

Comprehensive reply of the Ministry of Public Security on issues related to the replacement of lost identity cards

According to the relevant provisions of the Law of the People's Republic of China on Resident Identity Cards (hereinafter referred to as the Law on Resident Identity Cards), citizens who lose their resident identity cards shall report the loss to the local police station where their permanent residence is located.

Citizens who lose their replacement documents will also inform the public security organs of the fact that their documents have been lost, and there is no need to report the loss in the newspaper. There is also no relevant law that requires citizens to report the loss and make a statement in the newspaper after losing their identity cards.