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How to check if someone is using your PAN without your knowledge and stop it in 6 simple steps
Scammers can misuse your PAN card for loans, credit cards, or identity fraud. Here’s how to find out if your PAN is being used illegally and steps to stop it.
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Check your credit score using a payment app
Open a UPI-based app such as Google Pay, CRED, or Paytm that offers a “Check Credit Score” feature. Grant the required permissions to access your credit data.
Open a UPI-based app such as Google Pay, CRED, or Paytm that offers a “Check Credit Score” feature. Grant the required permissions to access your credit data.
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Review the complete credit report
Once your credit score appears, look for an option like ‘Full Report’ or ‘Detailed Report’. Go through the listed loans, credit card applications, or financial inquiries. Unknown entries could mean your PAN has been misused.
Once your credit score appears, look for an option like ‘Full Report’ or ‘Detailed Report’. Go through the listed loans, credit card applications, or financial inquiries. Unknown entries could mean your PAN has been misused.
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Verify with an official credit bureau
Visit trusted credit bureau websites such as CIBIL, Experian, or CRIF High Mark. Sign up or log in to your account, verify using OTP, and download the latest credit report. Compare it against your previous report for inconsistencies.
Visit trusted credit bureau websites such as CIBIL, Experian, or CRIF High Mark. Sign up or log in to your account, verify using OTP, and download the latest credit report. Compare it against your previous report for inconsistencies.
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Flag suspicious activity immediately
If you notice an unfamiliar loan or inquiry, report it to the credit bureau and contact the bank or lender involved. Most bureaus allow you to raise a dispute ticket directly through their website.
If you notice an unfamiliar loan or inquiry, report it to the credit bureau and contact the bank or lender involved. Most bureaus allow you to raise a dispute ticket directly through their website.
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File a complaint with the Income Tax Department
Use the e-Filing portal (incometax.gov.in) to file a PAN misuse complaint. Attach your credit report, proof of identity, and a brief explanation of the suspected fraud. The IT department can freeze or re-verify the card if needed
Use the e-Filing portal (incometax.gov.in) to file a PAN misuse complaint. Attach your credit report, proof of identity, and a brief explanation of the suspected fraud. The IT department can freeze or re-verify the card if needed
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