Friends who borrow money may have this experience, and they often receive sales calls about loans, calling in the morning, afternoon or even evening. There are manual and mechanical ones. Anyway, it's all the same, the phone that sells loans. There are also all kinds of short messages about loans, which emerge one after another.

Obviously, I didn't do anything Just registered several loan software. Some people think that the interest rate is not bad, so they fill in the loan application. Unexpectedly, the problem is coming!

In fact, this is because our personal information has been leaked!

Who leaked our personal information? Non-compliant online lending platform.

When we register some online lending platforms as emergency "wallets", we may not think that the information filled in during registration will become the "commercial resources" of these non-compliant online lending platforms.

Among them, some online lending platforms are only responsible for promotion, and the platform itself has no borrowing channels. Their main profit model is "making information money".

Under the banner of providing loan services, they use personal information such as the borrower's mobile phone number and ID number as gimmicks to "help customers solve any loan problems" and then resell these information to other platforms or individuals. You may not know that a piece of personal information can be sold for 5-200 yuan on the black market.

So, what should we do when our personal information is really leaked?

First, the report

The online lending platform intentionally divulges the personal privacy of the borrower, or disseminates or trades the personal information of the borrower, which violates the relevant provisions on information collection and processing in the Cyber Security Law. You can report to China Internet Finance Reporting Information Platform to defend your legitimate rights and interests and protect your privacy from infringement.

Second, call the police.

The disclosure of personal privacy information is likely to be used by criminals for criminal activities such as online fraud. If the circumstances are serious, you can report to the public security organ, punish the criminals, and ask the illegal platform to bear corresponding legal responsibilities.

Generally speaking, formal online lending platforms have relevant regulations to protect the privacy of borrowers and ensure that the personal information of borrowers is not leaked. However, some informal online lending platforms will deliberately disclose the personal privacy information of borrowers in order to gain benefits.

This kind of deliberate disclosure of personal information is illegal. If personal privacy is leaked, we must take up legal weapons in time to safeguard our legitimate rights and interests.

In addition, remind everyone that when applying for a loan, you must keep your eyes open, try to choose a formal platform, and don't let criminals take advantage of it!

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

Identity disclosure can be solved in the following ways:

1. The impostor should take the initiative to negotiate with the bank that handles loans and credit cards;

2. The impostor should pay attention to collecting evidence. In view of the various contracts and evidences of impersonation loans that I did not sign, I can apply for legal appraisal;

3. The impersonator should not listen to the rumor that any intermediary can whitewash the credit record, and choose formal legal procedures to solve the problem.

The process for banks to handle loans is as follows:

1, apply for a loan, and bring information to the bank outlets to apply for a loan;

2. Audit: the bank verifies the applicant's credit information, assets, personal data and other information;

3. sign the contract. After passing the examination, the bank signs a loan contract with the lender;

4. Loan issuance: the bank issues loans on schedule according to the loan contract;

5. When repaying the loan, the lender shall repay the loan principal and interest in full according to the time agreed in this contract.

Article 16 of the People's Republic of China (PRC) Identity Card Law

One of the following acts, given a warning by the public security organs, and impose a fine of 200 yuan. Illegal income, confiscate the illegal income:

(a) using false certification materials to defraud the resident identity card;

(2) Renting, lending or transferring a resident identity card;

(3) illegally detaining another person's identity card.

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

Answer: legal analysis: you can report the case or call the police.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1034 The personal information of natural persons is protected by law.

Personal information is all kinds of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including natural person's name, date of birth, ID number, biometric information, address, telephone number, e-mail address, health information, whereabouts information, etc.

The privacy information in personal information shall be subject to the provisions on privacy; If there are no provisions, the provisions on the protection of personal information shall apply.

Article 1035 The handling of personal information shall follow the principles of legality, justice and necessity, and shall not be over-handled, and meet the following conditions:

(1) Obtaining the consent of the natural person or his guardian, except as otherwise provided by laws and administrative regulations;

(2) Rules for publicly handling information;

(3) Clearly explain the purpose, mode and scope of information processing;

(four) does not violate the provisions of laws and administrative regulations and the agreement between the two parties.

The processing of personal information includes the collection, storage, use, processing, transmission, provision and disclosure of personal information.

What should I do if I am cheated to disclose my ID card information and bank card?

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.