NO SUSA loan in your name that you never took? Do this.
- Someone used your Aadhaar or PAN to take a loan, buy a SIM or open an account.
- It shows up as recovery calls, or as a line on your credit report you do not know.
- It is not yours until you dispute it in writing. The steps are below.
- Free steps
- No account
- Letters in English and Hindi
Free steps, in this order
Step 1: Report it
Call 1930 if money was taken from you. File on cybercrime.gov.in and write down the acknowledgement number. Ask your local police for an FIR too.1: National Cybercrime Reporting Portal (opens in a new tab)
Step 2: See the SIMs on your Aadhaar
Open Sanchar Saathi, choose Know Your Mobile Connections (TAFCOP), and enter your number and OTP. Mark every number that is not yours and press Report.2: Sanchar Saathi: Know your mobile connections (TAFCOP) (opens in a new tab)
Step 3: Pull your free credit reports
RBI makes each bureau give you one full report free every calendar year. There are four: CIBIL, Experian, Equifax, CRIF High Mark. Look for loans and enquiries you do not know. Check your current mobile and email are on file, so the bureau and lender alerts (RBI circular 2023-24/73) can reach you.3: RBI circular 2023-24/73: customer service by credit bureaus and lenders (alerts, free yearly report) (opens in a new tab)
cibil.com (opens in a new tab)experian.in (opens in a new tab)equifax.co.in (opens in a new tab)crifhighmark.com (opens in a new tab)
Step 4: Check and lock your Aadhaar
On myAadhaar or in the mAadhaar app, open Authentication History to see who verified you in the last six months. Then turn on Lock Biometrics. Fingerprint, iris and face checks stop. OTP checks still work.4: UIDAI: Aadhaar authentication history and biometric lock FAQs (opens in a new tab)
Step 5: Write to the lender, then the bureaus
Tell the lender in writing that the loan is not yours and ask for its KYC record. Send a dispute to each bureau. Wait 30 days. If there is no reply, or the reply does not fix it, complain to the RBI Integrated Ombudsman. Check the time limit on the portal.5: Equifax India: customer grievance redressal (opens in a new tab)6: Experian India: how to raise a dispute (opens in a new tab)7: CRIF High Mark: how to raise a dispute (opens in a new tab)
The ₹299 kit
Step 5 is the hard one: what to write, and to whom. The kit has it ready to fill. Ten files, in English and Hindi.
- Complaint to the lender or NBFC
- KYC record request
- Dispute letters for CIBIL, Experian, Equifax and CRIF High Mark, each marking the account "not mine / identity theft"
- Text for the cybercrime.gov.in complaint
- RBI Integrated Ombudsman complaint, for after 30 days of no reply
- A dated case timeline sheet
- A checklist of what to attach: FIR or complaint acknowledgement, Aadhaar, PAN, credit report page
One payment. Each letter has [brackets] for your details.
What it cannot do
- A letter does not remove an entry. The lender and the bureau do. The letters ask them to, in writing, and start the clock.
- It does not find who did it.
- Some lenders take longer than 30 days.
- Rules and portals change. Check the links before you file.
Questions
A loan is in my name that I never took. What do I do first?
Report it: call 1930 if money was taken, and file on cybercrime.gov.in. Then check your credit reports and the SIMs on your Aadhaar, and write to the lender saying the loan is not yours.
How do I remove a fraud loan from my CIBIL report?
Raise a dispute with CIBIL and mark the account as not yours. CIBIL asks the lender to verify it. Write to the lender yourself too, with your police complaint. If the account is still there after 30 days, you can complain to the RBI Integrated Ombudsman.
How do I check which SIM cards are on my Aadhaar?
Open Sanchar Saathi, choose Know Your Mobile Connections (TAFCOP), and enter your mobile number and OTP. You can report any number that is not yours.
The lender will not reply. Where do I complain?
If the lender has not replied in 30 days, or its reply does not fix the problem, complain to the RBI Integrated Ombudsman on cms.rbi.org.in. Keep your first complaint and any reply. Check the time limit on the portal.