Personal information disclosure is lent by the Internet.

Will the disclosure of personal information be "lent"?

Never doubt the ability of a liar, it is indeed possible. For example, your bank card suddenly adds an unexpected wealth one day, and you must be ecstatic. I'm sure I am anyway, but you should be careful at this time. This may be the latest scam, probably because your personal information is leaked.

Two days ago, the information leakage in Xue Tong attracted a lot of people's attention, and just yesterday, QQ was too much thunder and little rain. Many people speculate that this has something to do with Xue Tong's personal information disclosure. Although Xue Tong didn't find any evidence of user information leakage through official micro-response, netizens didn't buy it. Don't talk about this specific matter today, just wait for the public security department to investigate.

Let's talk about the possibility that personal information may be leaked by online loans.

Look at a new case:

Recently, Xiao Zhao, a classmate, was having dinner in the school cafeteria and received a short message, which was a bank reminder, and recorded 6000 yuan in the short message. Xiao Zhao asked a lot of people and didn't know. Not long after, I received a short message from my sister, saying "transfer error".

Sister liar: Sorry, I transferred a sum of money to your bank card by mistake. Please check your bank card to see if 6000 yuan has been transferred.

Classmate Xiao Zhao: Yes, 6,000 pieces of land have indeed been transferred.

Sister liar: Well, I was working in a bank at that time. I made a mistake because I was too old to have an operation. I'm really sorry. This 6000 yuan is for my son's tuition. Because of family difficulties, the money was also borrowed from several talents. Can you transfer it to me?

Classmate Xiao Zhao: Don't worry, Sister. I'll transfer right away. I can't keep my children from going to school.

Sister liar: Thank you, I really appreciate it.

Classmate Xiao Zhao: You're welcome. We are students. We understand.

Under normal circumstances, many sympathetic friends will definitely transfer money in this way, not their own.

After half a month, his painting style changed suddenly. Xiao Zhao received a strange phone call saying that he borrowed money from their platform with a term of 15 days, a principal of 6,000 yuan and a monthly interest rate of 2%. He demanded repayment today, with principal and interest of 6060 yuan.

Xiao Zhao was stunned. Half a month ago, he suddenly thought of "transferring the wrong account" He felt something was wrong and decided to call the police. The police then learned about the situation from the online loan company. Half a month ago, someone did apply for a loan of 6,000 yuan with Xiao Zhao's personal information.

It turned out that this was a scam. The swindler first obtained Xiao Zhao's detailed personal information through illegal channels, and applied for a loan on the online lending platform in the name of Xiao Zhao. But here's the problem. If you apply for a loan, you must deposit it in a bank account in Xiao Zhao. Subsequently, the swindler used the "transfer error" as an excuse to ask Xiao Zhao to transfer the money to himself? Perfect closed loop, perfect.

I was very careful, but I didn't expect to be cheated by the new model in the end. Remember the following three new steps:

1. Liars obtain personal information of victims through illegal means;

2. The swindler lends money on the loan platform in the name of the victim;

3. Liars make use of some weaknesses of human nature to fabricate appropriate reasons for transferring the wrong account, so that the victim can transfer the money to himself.

What if it is really a "loan"?

Legally speaking, there is no need to panic, because the Law on the Management of Identity Cards stipulates that the handling unit will approve the handling of banking and other businesses with documents that are not its own. In case of loss, the unit will bear the responsibility. Also, if the personal identity is fraudulently used by a liar, the liar will bear the responsibility, and the person who steals the information will not bear the responsibility.

If there is more money in the bank account and the other party requests to return it, you must find out the source of the money, and you can check it through the mobile banking or bank counter.

Of course, the disclosure of personal information has been "loaned by online loans", but it is rare, because face recognition and verification code are basically needed to handle loans now. As long as you stay alert, you don't have to worry too much. That was a real success. Keep transfer records. Call the police if you need anything.

Remind everyone to pay attention to a few points, which can protect everyone's personal information from being leaked:

1, don't just register an account on an unknown website;

2. If you need to provide a copy of your ID card, you should indicate the purpose. If it is only used for handling xx business, it is invalid. And it must be a signature within the scope of ID card information;

3. It is very convenient to log in to the Credit Information Center of the People's Bank of China regularly to inquire about credit information, so that you can master your credit status and avoid undiscovered online loan records.

4. Enterprises use public mobile phones, and don't bind any of their personal information.

Remember, don't listen, don't believe, don't transfer money, beware of telecommunications! Please call the anti-fraud center as soon as possible if you feel that you have encountered telecommunications.

Will personal information be leaked by online loans?

It is illegal to borrow money from others when personal information is leaked. The victim is not responsible for repaying the loan. The act of successfully receiving online loans by using someone else's ID card shall be deemed invalid.

Personal information leaked by online loans

If personal information is leaked, the loan company may not issue loans without the consent of the parties. Personal loan requires my consent, and the lender needs to verify the true identity of the lender, otherwise it is an illegal loan.

According to Article 17 of the Interim Measures for the Administration of Personal Loans, lenders should establish and strictly implement the loan interview system. If low-risk loans are issued through electronic banking channels, the lender should at least take effective measures to determine the true identity of the borrower.

Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.

Interim Measures for the Administration of Personal Loans Article 41 Where a lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:

(1) Failing to investigate and review the loan due diligence;

(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;

(3) The terms of the loan contract have not been publicized;

(four) in violation of the provisions of article twenty-seventh;

(five) payment management does not meet the requirements of these measures.

job operation

If you are "loaned" without knowing it, you can solve it through judicial channels, and provide some evidence that can prove your ignorance and irresponsibility, such as telephone chat records, signature handwriting, photographed images and so on. Regularly test the data of the reform of the central bank or Dima, complain and feedback to the banking institutions in time after finding problems, and safeguard their rights and interests reasonably and legally.

Identity information is stolen, what about online loans?

First, the ID card and bank card are given to others for some commercial purpose, and the other party makes online loans without their consent. According to the actual situation, it depends on whether the online loan company itself has fulfilled its reasonable review obligation. If the online loan company fails to fulfill its obligations, it does not need to bear any responsibility.

Second, the identity card and bank card were stolen by others, took the online loan and took the money away. Then the nature of this matter became a case. As the victim, not the actual loan applicant, he has no obligation and responsibility to repay the loan.

No matter which of the above conditions you meet, he can pay back the money without responsibility. But there is another factor that will affect your way. Has the online loan company repaid the loan principal and interest?

If the online loan company has not yet, it is best to report the case to the police immediately, and the public security organ will file an investigation to confirm that the actual online loan applicant is not himself, but someone else uses your ID card information to handle it. Don't worry, you won't take any responsibility for this evidence investigated by the public security organ.

If the online loan company has already sent it to you. Then you have to prove that you have nothing to do with this loan case, that your identity has been fraudulently used by others, and that you are not a qualified defendant in this case.

While actively responding to the lawsuit and claiming their own rights and interests, they should also call the police as soon as possible. After all, this is still a case of using someone else's ID card.

The defendant is to solve the problem of who is the defendant in a specific case, that is, in a specific case, according to the law, who can or must be qualified to conduct administrative proceedings in the name of the defendant. Qualified defendant refers to the qualification of being a defendant in his own name for a specific lawsuit.

What should I do if my ID card is leaked by online loans?

If you find that your basic personal information is stolen or there is a risk of being stolen, you should call the customer service of the relevant company in time to confirm. If there are theft facts, explain the reasons and ask for deletion; If you find that the deposit, securities or wealth management account is stolen or at risk of being stolen, you should call the relevant financial institutions to report the loss and stop paying, pay attention to keeping relevant evidence such as text messages or vouchers, and call the police in time. In the amendment to the Criminal Law promulgated on February 28th, 2009, the crimes of illegally disclosing and obtaining citizens' personal information and the crimes of selling and illegally providing citizens' personal information were included in the Criminal Law. 2065438+On September 1 2003, the Ministry of Industry and Information Technology promulgated and implemented the Regulations on the Protection of Personal Information of Telecommunications and Internet Users to protect the legitimate rights and interests of telecommunications and Internet users and safeguard the security of network information. But from the current reality, the effect of personal information protection is not obvious.

What should I do if my ID card information is leaked and I get a loan? You need not panic. The only thing to remember is not to be greedy and cheap in life. Many people are greedy and cheap, and they are used by criminals. If you find that your identity information has been stolen by criminals, you must report it to the public security organ as soon as possible. Finally, I advise you not to register and use your ID card information at will, and don't tell others your ID card information at will.

What should I do if my personal information is leaked by online loans?

Legal analysis: It is illegal to disclose personal information and borrow money from others. The victim is not responsible for repaying the loan. The act of successfully obtaining online loans by fraudulently using someone else's ID card shall be deemed invalid.

Legal basis: People's Republic of China (PRC) Fuzheng Resident Identity Card Law.

Sixteenth one of the following acts

The public security organ shall give a warning and impose a fine of not more than 200 yuan. If there is illegal income, the illegal income shall be confiscated: (1) using false certification materials to defraud resident identity cards; (2) Renting, lending or transferring a resident identity card; (3) illegally detaining another person's identity card.

Seventeenth one of the following acts, by the public security organs fined two hundred yuan to one thousand yuan, or detained for ten days. If there are illegal gains, the illegal gains shall be confiscated: (1) fraudulently using other people's identity cards or using fraudulent identity cards; (2) buying, selling or using forged or altered identity cards. Forged, altered or scattered resident identity cards and fraudulent resident identity cards shall be confiscated by public security organs.

What should I do if my identity is revealed by someone else's online loan?

Identity information disclosure solution: 1, and the account number can be changed. 2. Modify important passwords, or report a case, find a lawyer and collect evidence. Irrelevant information can be ignored.

Let's stop here for the introduction of personal information disclosure and online lending.