In order to take out a loan, you usually need to present your identity card in addition to your personal data and PESEL identification number. Niebezpiecznik portal, based on the example of its reader, shows how a fraudster can take out a loan, based on publicly known data.

The reader of the portal, by including the notification from the Credit Information Bureau, found out that someone had taken a loan in the amount of PLN 5,000 in his name via the SuperGrosz.pl loan service, which is run by the AIQLabs company. The downloaded report show that the reader’s data had already been verified at the beginning of this year by AIQLabs.
On the SuperGrosz.pl website, the final verification of the borrower takes place at the agency of Polish Post or Postal Bank. According to the portal, the most mistakes were made at that moment.

The fraudster had the victim’s name, surname and PESEL number from the National Court Register, as well as two SIM cards, as well as probably a fake identity card. It can be assumed that the verification of the ID card at the post office was far from perfect.
The reader has a loan to pay back that he did not take. The debt was bought by Alektum, which obtained a payment order from the court. As Niebezpiecznik emphasizes, the law is on the side of the extortion victims, but the laborious unraveling of the matter is on their side. For now, the victim will have a hard time proving that he didn’t take the loan.