PAN Card Fraud – identity theft is a concerning thing in the online world. We share much of our personal information on the internet, including PAN numbers. How do you feel if someone takes a loan on your behalf and you become a defaulter without a loan?
How does PAN card Fraud take place?
There are many apps which offer you loans online, India bull Dhani is one of them to offer loans online, instant and short-term.
These apps just use PAN card numbers or photocopies of PAN cards no verification and identity of the person carried out for providing a loan, which causes PAN card fraud.
How does a Fraudster get your PAN card information?
When we share our PAN card number or photocopy on the internet knowingly and unknowingly, that's how our information is misused.
There are some examples of that how our PAN card information is misused:
We gave our PAN card details for the verification of mobile pre-paid connections. In this way, our application proceeds by the third person of that agency which can leak our information or by other means.
While doing online business on different social media platforms like Facebook, you gave your PAN card information for accepting the payment. You share your information with agent/unknown person for different financial requirements. You might share your PAN card information with travel agents or online apps for booking purposes. All these are possible ways of PAN card information leakage.
How to check if someone has taken a loan on your behalf?
Please check your monthly credit information to ensure someone has not taken a loan for you. Moreover, you can get high-value transaction details through Form 26AS issued by the Income Tax Department.
What to do in case you have become a Victim of such fraud?
You must make a complaint in three places if you become the victim of PAN card fraud.
Financial Companies or Bank
The customer care center of banks or financial companies is the first place where you need to file a complaint. I would also like to let you know that the PAN card number is shown to you.
You also need to register a complaint with the cybercrime department of the police.
Income Tax Department
The income tax department is the second place to file a complaint. You can contact them via email or income tax helpline. All details of contact are found on the income tax website.
CIBIL (Credit Bauru)
Could you file a complaint in the third place, CIBIL? You need to give proof or produce FIR to correct your credit score. Otherwise, you did not get a loan on a low credit score.
How to safeguard yourself against PAN card fraud?
Never use your PAN card instead if it's compulsory. Use your ID card or driving license to prevent PAN card fraud.
Don't share your PAN card detail or personal information on other than your personal computer. Protect your laptop or desktop from antivirus or firewall.
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