I have never taken out a loan from China Minsheng Bank, so why did I receive a text message saying that the loan is overdue and is included in the credit report?

It is recommended to contact the bank customer service first to check whether there is a loan in your name. If there is indeed no loan, it is possible that someone else left your mobile phone number when signing a business contract. It is best to report this problem to the bank's customer service, and the bank will record it and block it for you.

In addition to banks, you should also pay attention to whether your information has been fraudulently used by others to apply for online loans. Generally, when you apply for an online loan, you will go through hundreds of credit lines. At this time, you need to check it on Yingxin Quick Check, and you can see your loan records, overdue information, etc.

Extended information:

How to handle the loan if the ID card is stolen?

If your ID card is stolen by others and used for loans, once the customer finds out, it is best to contact the institution/platform that provided the loan to explain the situation clearly, indicating that the loan was not operated by him, and let the other party look for fraudulent loans. The person repays the money, and the customer himself does not need to bear the responsibility for repayment.

If a customer suffers financial losses due to theft of their ID card and a loan, and the amount of the loss is not small, they can also report the case to the local public security department by providing evidence of theft of their ID card information and the loan.

If the lending institution/platform ignores its own explanation and continues to collect debts from itself, the customer can also report it to the local Banking Regulatory Commission or Internet Finance Association to safeguard the legitimate rights and interests of the individual.

Everyone needs to pay attention to taking good care of your ID card and not giving it to others casually. Once you find it is lost, you need to report the loss and get a replacement as soon as possible; and never share your identity information with others at will. ; Do not click on unknown links at will when surfing the Internet to avoid information leakage.