{"meta":{"exportedAt":"2026-10-10T08:03:59.252Z","formatVersion":2,"selection":{"q":"pan-card","system":"","harm":"","context":"","country":"","role":"","relation":"","evidence":"","year":"unknown","response":"","severity":"","verification":"","view":"incidents","sort":"added"},"totalIncidents":1,"coverage":{"cases":1,"countries":1,"languages":1,"unknownLocation":0,"locationPending":0,"unknownLanguage":0,"unknownDate":1,"lawsuits":0,"regulatory":0,"minors":0,"coreRelations":1,"contextualRelations":0,"mixedRelations":0,"unknownRelations":0,"relationPending":0,"relationUnknown":0},"countingNote":"Distinct public cases in this selection. People counts apply within individual cases only; cross-case person overlap has not been resolved. No population incidence estimate.","affectedCountNote":"Interpret person counts with affectedCountStatus and the reported effects. Unquantified zeros are placeholders, not a measured zero.","source":"AI incidents","publisher":"NOPE","url":"https://nope.net/incidents","license":"CC BY 4.0"},"incidents":[{"id":"2026-east-delhi-police-say-ai-placed-brothers-photos-on-namesakes-pan-cards-online-loans-complainant-30-loans","caseFacts":{"claims":[{"id":"c1","status":"reported","evidence":[{"locator":"'शिकायत दी थी कि उसके पैन नंबर पर कई लोन चल रहे हैं, जबकि उसने कोई लोन नहीं लिया'; 'इन लोन के कारण उसका सिबिल स्कोर भी प्रभावित हुआ। जांच में उसके पैन नंबर पर 30 से अधिक लोन मिले, जिनकी रकम करीब सात लाख रुपये थी'; 'कई लोन खातों में उसे करीब 47 लाख रुपये का गारंटर भी बनाया गया था'","relation":"supports","source_id":"s1"},{"locator":"'पीड़ित ने बताया था कि उन्होंने कभी किसी लोन के लिए आवेदन नहीं किया था। फिर भी उसके पैन नंबर पर कई लोन चल रहे हैं। फर्जी लोन के कारण उसका सिबिल स्कोर और क्रेडिट प्रोफाइल पूरी तरह खराब हो गया है'","relation":"supports","source_id":"s2"}],"assertion":"An East Delhi resident complained to the district cyber police station that loans he had never taken were running on his PAN number; police found more than 30 loans totalling about Rs 7 lakh on his PAN, found that he had been made guarantor for about Rs 47 lakh, and say his CIBIL score and credit profile were damaged.","causal_attribution":"The East Delhi DCP's account of the complaint and investigation as reported by both outlets; one police origin, the complainant not quoted directly."},{"id":"c2","status":"reported","evidence":[{"locator":"'आरोपितों ने शिकायतकर्ता का पैन कार्ड इंटरनेट से हासिल किया था। इसके बाद एआई की मदद से उसमें अपना फोटो लगा दिया और उसी पैन कार्ड के आधार पर 10 मोबाइल सिम खरीदे'; 'कई ऑनलाइन लोन कंपनियां गारंटी के तौर पर सिर्फ पैन कार्ड की प्रति लेती हैं। आरोपितों ने इसी का फायदा उठाकर पीड़ित के नाम पर करीब एक करोड़ रुपये का लोन लिया'","relation":"supports","source_id":"s1"}],"assertion":"Police say the accused obtained the complainant's PAN card from the internet, used AI to place their own photograph on it, bought 10 mobile SIM cards on that card, and took about Rs 1 crore in loans in his name from online lenders that accept only a PAN copy as guarantee.","causal_attribution":"Police investigation findings as reported by Dainik Jagran only; Amar Ujala's account of the same statement does not mention AI (c4). The tool is not named."},{"id":"c3","status":"reported","evidence":[{"locator":"'नाम के करीब 50 लोगों का पता चला है, जिनके नाम पर लोन लिए गए हैं। इनमें से 10 पीड़ितों की पहचान पुलिस कर चुकी है'","relation":"supports","source_id":"s1"},{"locator":"'पीड़ित की शिकायत पर 17 अगस्त को साइबर थाने में धोखाधड़ी का केस कर जांच शुरू की गई'; 'पूर्वी जिला पुलिस उपायुक्त राजीव कुमार ने बताया कि यह फर्जीवाड़ा पटपड़गंज निवासी एक व्यक्ति की शिकायत के बाद सामने आया'","relation":"supports","source_id":"s2"}],"assertion":"Police say two brothers living in Gurugram, Haryana, were arrested; about 50 people across India who share their name had loans taken in their names, ten of whom have been identified; the complainant's case was registered at the cyber police station on 17 August.","causal_attribution":"Police statement as reported by both outlets; the 50 is the police's approximate figure and the year of the 17 August registration is not stated in the body."},{"id":"c4","status":"reported","evidence":[{"locator":"'आरोपी भाई असली लोगों के पैन कार्ड, वोटर आईडी व अन्य पहचान पत्रों में डिजिटल तकनीक से छेड़छाड़ करते थे। आरोपी दस्तावेजों पर नाम, पिता का नाम और फोटो बदलकर फर्जी प्रोफाइल तैयार करते थे। इसके बाद इन दस्तावेजों के आधार पर ऑनलाइन लोन लिया जाता था'","relation":"supports","source_id":"s2"}],"assertion":"Amar Ujala reports the police account of the method as digital tampering with real people's PAN cards, voter IDs and other identity documents, changing the name, father's name and photograph to build false profiles used for online loans; it does not attribute the alteration to AI.","causal_attribution":"Amar Ujala's wording of the same police statement; preserved because it is the only description of the tool that does not say AI."}],"effects":[{"label":"loans and guarantor liabilities placed on the complainant's PAN and damage to his credit score after his PAN card was altered to carry the accused's photograph","claim_id":"c1","direction":"negative"}],"sources":[{"id":"s1","url":"https://www.jagran.com/delhi/new-delhi-city-40390434.html","kind":"news_report","access":"read","language":"hi","translation_note":"Read in Hindi and translated by the research agent (an AI) on 2026-10-10; no human reviewer inspected the text. Dainik Jagran, East Delhi city desk, published 30 September 2026 21:01 IST, HTTP 200; the article quotes the East Delhi DCP and the police investigation. Cited under the article's numeric URL form (same text) because the original link slug carries the complainant's and accused's shared name.","independence_group":"east-delhi-police-statement-2026-09-30"},{"id":"s2","url":"https://www.amarujala.com/delhi-ncr/two-brothers-arrested-from-gurugram-for-obtaining-a-loan-of-over-delhi-ncr-news-c-503-1-del1005-1478-2026-09-30","kind":"news_report","access":"read","language":"hi","translation_note":"Read in Hindi and translated by the research agent (an AI) on 2026-10-10; no human reviewer inspected the text. Amar Ujala bureau, East Delhi, 30 September 2026, HTTP 200; the article quotes the same East Delhi DCP and the same cyber police investigation, so it is the same reporting chain as s1. It does not mention AI.","independence_group":"east-delhi-police-statement-2026-09-30"}],"version":1,"ai_roles":["others_use"],"contexts":["finance","privacy","justice"],"unknowns":["Which AI tool was used to alter the PAN cards, and whether every altered card was made with it; only the Jagran account of the police investigation names AI, and Amar Ujala says digital tampering.","When the loans on the complainant's PAN were taken; the reports give no dates for them, the accused say the scheme ran from 2022, and the SIM purchases are dated December 2022 to July 2023.","The year of the 17 August case registration, which the body does not state.","Whether the complainant or any namesake has had to repay, or has been pursued for, the loans; the reports describe loans and guarantor entries on his PAN and credit-score damage only.","The individual circumstances of the ten identified and roughly 50 reported namesakes; no other victim is described."],"geography":{"basis":"Both reports say the complaint was made to the East Delhi district cyber police station and the accused were arrested in Gurugram, Haryana; Jagran says the namesakes with loans in their names are across India (\"देशभर में\"). The complainant lives in East Delhi. No court proceeding is reported.","court_countries":[],"event_countries":["IN"],"affected_person_countries":["IN"]},"publication":{"basis":"Published as a core case on one attributed police account: Dainik Jagran and Amar Ujala both report the East Delhi DCP saying the investigation found more than 30 loans and a Rs 47 lakh guarantor exposure on a complainant's PAN and that two Gurugram brothers were arrested; Jagran reports the investigation finding that the brothers placed their own photographs on namesakes' PAN cards with the help of AI and used the altered cards for SIMs and online loans in the complainant's name. Every claim is attributed to the police statement as reported, the Amar Ujala wording that does not mention AI is preserved, and the complainant and the accused, who share a name, are not named in the public text.","reviewed_on":"2026-10-10"},"ai_involvement":{"basis":"Dainik Jagran reports the Delhi Police investigation finding that the accused obtained the complainant's PAN card from the internet, used AI to place their own photograph on it (\"एआई की मदद से उसमें अपना फोटो लगा दिया\"), bought SIM cards on that card and took about Rs 1 crore in loans in his name from online lenders that accept only a PAN copy. The AI-altered identity document impersonating the complainant toward telecom and lending companies is the described contribution (depicted_or_impersonated), and the report connects it to the loans and guarantor liabilities on his PAN and the damage to his credit score. Amar Ujala, reporting the same police statement, describes the alteration as digital tampering with PAN cards, voter IDs and other documents and does not mention AI; the tool is not named and no altered card is reproduced, so the AI attribution rests on the Jagran account of the police investigation.","status":"reported"},"person_relations":["depicted_or_impersonated"]},"name":"East Delhi: police say two brothers put their own photos on namesakes' PAN cards with AI and took online loans; police found 30+ loans on a complainant's PAN","summary":"A resident of East Delhi complained to the district cyber police station that several loans were running on his PAN number although he had never taken a loan; the police investigation found more than 30 loans on his PAN, found that he had been made guarantor on loan accounts worth about Rs 47 lakh, and the loans had damaged his credit score, according to the East Delhi deputy commissioner of police as reported by Dainik Jagran and Amar Ujala on 30 September 2026. Police say two brothers from Gurugram, Haryana, obtained from the internet the PAN details of people across India who share their own name, placed their own photographs on those PAN cards (with the help of AI, in the Jagran account; by digital tampering, in the Amar Ujala account), bought SIM cards on the altered cards and took online loans from lenders that accept a PAN copy as the only guarantee. Police say about 50 namesakes had loans taken in their names, of whom ten had been identified, and that the complainant's case was registered on 17 August. Both brothers were arrested in Gurugram. The AI tool is not named, no altered card is reproduced, and the account rests on one police statement.","incidentKind":"bounded_series","incidentDatePrecision":"unknown","exposurePattern":"repeated_interactions","reportedDate":"2026-09-30","aiSystem":"An AI tool (not identified by name) that, according to the Delhi Police account reported by Dainik Jagran, was used to place the accused brothers' own photographs on PAN cards of people sharing their name (\"एआई की मदद से उसमें अपना फोटो लगा दिया\"); Amar Ujala describes the same alteration as digital tampering of PAN cards, voter IDs and other identity documents","aiProduct":"Unidentified image tool","severity":"medium","verificationStatus":"credible","harmCategories":[],"harmOutcomes":["other_material_harm"],"harmOutcomeSummary":"According to police as reported by Dainik Jagran and Amar Ujala, police found more than 30 loans (about Rs 7 lakh) running on the complainant's PAN number, which he said he had never taken, found that he had been made guarantor for about Rs 47 lakh, and the loans damaged his CIBIL score and credit profile; police say about 50 namesakes had loans taken in their names.","frameworkFacets":[],"causationStatus":"alleged","participantUsersAffectedMin":0,"otherPeopleHarmedMin":1,"affectedCountStatus":"partial","affectedCountEvidence":"One person counted: the complainant, whose PAN carried more than 30 loans and a Rs 47 lakh guarantor exposure and whose credit score was damaged (Jagran, Amar Ujala, both quoting the DCP). Police say about 50 namesakes had loans taken in their names and that ten victims have been identified (\"करीब 50\", \"10 पीड़ितों की पहचान\"); the approximate 50 is not a documented minimum and the ten identified victims are not described individually, so they are recorded as additional unquantified people. The complainant did not use the AI tool (participant_users_affected_min 0).","victimAgeRange":"adult","jurisdiction":"IN","platformType":"other","outcomeType":"criminal_charges","outcomeStatus":"ongoing","primarySourceUrl":"https://www.jagran.com/delhi/new-delhi-city-40390434.html","primarySourceLabel":"Dainik Jagran, 30 September 2026: 50 people with one name defrauded of crores, brothers placed their photos on PAN cards with AI, two arrested","firstPublishedAt":"2026-10-10T03:35:48.53197+00:00","updatedAt":"2026-10-10T03:35:48.53197+00:00","scopeVersion":"facts-v3","tags":["identity-fraud","image-manipulation","loan-fraud","pan-card","credit-score","police","india","delhi","depicted-or-impersonated"]}]}