Someone used my PAN and photo to create fake loan accounts online from a Durgapur address. How do I protect myself?
MA Asked by Madhuri Dixit from India
Quick Answer
File an FIR at the cyber crime police station in Durgapur under Section 66D IT Act, 2000 (cheating by personation) and Section 318(4) BNS, 2023.
Detailed Legal Analysis
File an FIR at the cyber crime police station in Durgapur under Section 66D IT Act, 2000 (cheating by personation) and Section 318(4) BNS, 2023. Inform all three credit bureaus (CIBIL, Experian, Equifax) to place a fraud alert on your report and dispute the fraudulent accounts.
Report identity theft on the National Cyber Crime Reporting Portal and to the bank whose account was misused. Preserve all communications and credit reports as electronic evidence under Section 63B BSA, 2023.
File a complaint with the bank's grievance officer and escalate to the Banking Ombudsman if unresolved. If police fail to act, approach Calcutta High Court under Article 226 for a writ of mandamus.
Check West Bengal Premises Tenancy Act 1997 for any state-level victim assistance or compensation scheme.
Legal Provisions Referenced
Verify the current statutory text at India Code (the official repository of Indian legislation) or the Legislative Department. This answer is general legal information, not advice on your specific matter.
Disclaimer: AI-generated for educational purposes only. Does not constitute legal advice. Consult a qualified practitioner.