Translation. Region: Russian Federal
Source: Central Bank of Russia (2) –
Updated: 24.01.2025
If you have not entered into a credit agreement (loan agreement) and have not provided personal data for its execution, you must:
1) inform the bank or microfinance organization that you did not enter into an agreement and did not receive money, and also request the agreement and other documents to it from the financial organization. In addition, you have the right to directly contact the credit bureau where your credit history is stored with a statement disputing information about a credit agreement (loan agreement) that you did not enter into. In this case, the correction (cancellation) of the entry in the credit history will be possible only if the creditor is ready to confirm the inaccuracy of the disputed data after conducting an internal audit;
2) contact law enforcement agencies with a statement about the crime committed, attaching a copy of the statement to the bank or microfinance organization and reporting all the circumstances of the situation;
3) If after contacting a bank or microfinance organization the problem with the fraudulent loan has not been resolved, you can file a claim with the court to recognize the credit agreement (loan agreement) as invalid or not concluded and to make changes to the credit history.
You can also consult withCenter for legal assistance to citizens in the digital environment, which provides free legal assistance in restoring violated rights in connection with the illegal processing of personal data. This can be done by phone or email, through the form on the website, or by making an appointment for a personal meeting.
Please note: This information is raw content directly from the source of the information. It is exactly what the source states and does not reflect the position of MIL-OSI or its clients.