Gurgaon Resident Discovers Shocking Fraud on Credit Report
A man from Gurgaon was forced to approach the police after a distressing financial fraud came to light. The resident of Gandhi Nagar noticed repeated personal loan enquiries mysteriously appearing on his official CIBIL report. The shocking part was that he had not applied for any credit facility in the past year.
His ordeal began when these unexplained entries started reflecting on his credit history. The situation escalated rapidly when he began receiving persistent recovery calls for a loan he never availed. Harassed and concerned about his financial identity, he decided to lodge a formal complaint.
Details of the Fraudulent Transaction
Following a preliminary inquiry by the Cyber police station west in Gurgaon, a concrete detail emerged. The investigation revealed that a loan of Rs 20,000 was allegedly sanctioned in the complainant's name. The loan was taken from RK Bansal Finance Pvt Ltd and it appeared on his credit report on December 15.
Based on the evidence and the man's complaint, the police took swift action. They registered a First Information Report (FIR) to initiate a formal investigation into the matter.
Legal Action and Charges Filed
The case has been registered under the Bharatiya Nyaya Sanhita (BNS). The specific sections invoked are serious in nature:
- Section 318(4): Pertaining to cheating.
- Section 319: Related to impersonation.
The registration of the FIR at the cyber police station highlights the digital nature of this crime. It underscores a growing trend where financial identities are stolen to secure unauthorized loans, damaging innocent victims' credit scores.
This incident serves as a stark warning for all individuals to regularly monitor their CIBIL score and credit report. Any unfamiliar enquiry or transaction should be reported immediately to the credit bureau and the police. Protecting one's financial data has never been more crucial in the digital age.
