The man didn't do anything, but was on the "Internet blacklist": life and company are all difficult to move forward

A few days ago, Mr. Jiang from Hangzhou was preparing to borrow a loan, but was rejected by multiple banks on the grounds that he was on the "Internet blacklist"

A few days ago, Mr. Jiang from Hangzhou was preparing to borrow a loan, but was rejected by multiple banks on the grounds that he was on the "Internet blacklist". Mr. Jiang felt very strange that his credit report had never had any problems, so why was he blacklisted?

Refused loan to bank

Discovered being on the 'Internet Blacklist'

Mr. Jiang is the owner of a bakery in Hangzhou. Recently, in order to expand his business, he went to the bank for a loan, but was rejected by multiple banks. "The credit report was pulled out, and the banks said it was okay. I learned from the background that I was blacklisted on the internet, but I don't know how and when I got into the blacklist

The so-called "internet blacklist", as explained by the internet, refers to individuals whose overdue debts have been blacklisted by online lending platforms. It is understood that many online loan platforms and even banks have introduced the Credit score, and blacklist data exchange has also been realized between platforms. People who are blacklisted will generally be denied loans.

But Mr. Jiang said that his credit investigation has never had any problems: "Our company's stores have been operating normally and there are currently no disputes. Suddenly, they were blacklisted on the internet, and I think it is very unfair to me

However, Mr. Jiang carefully recalled that in the past two months, he did receive some inexplicable reminders and phone calls: "There are probably seven or eight online platforms constantly sending me reminders. From these messages, it can be inferred that there is a person named Xu Yan who used my phone number to continuously borrow money on the online platform, and I completely do not know this person

Mr. Jiang suspected that it was precisely for this reason that he was included in the internet blacklist. Mr. Jiang said that now he wanted to prove his innocence, but found that he had no way to start: "The bank said that there are a lot of Big data platform companies in our country. Even if I found this company, it could not prove the truth of this matter by my phone call or a few words."

Mr. Jiang said that he also tried to report to the police: "I don't have the ID number of the lender. It is very difficult for them to deal with this problem only by one name. Even if I go to the court, the court will ask me to provide the identity information of the other party."

In order to restore the truth, Mr. Jiang himself made efforts and tried to find the relevant loan platform based on the content in the text message: "I verified the information with them, but I couldn't provide evidence. It wasn't me who did it at that time

Now Mr. Jiang's situation is very awkward. When he encounters problems with his loan, he can only determine that Mr. Jiang has been included in the "Internet blacklist" after seeking help from banks and online lending platforms, but there is no solution.

Apply for a loan online

Can you fill in someone else's number?

Due to the current awkward situation, Mr. Jiang felt that he was unable to move forward: "I have encountered many problems in my personal life and company operations

In response to Mr. Jiang's experience, the reporter contacted a staff member of a bank, and the bank stated that they were not sure what caused Mr. Jiang to be blacklisted.

So, as Mr. Jiang guessed, did someone fill in their phone number when making an online loan? In order to verify the situation, the reporter attempted to log in to several online loan platforms, but was required to send a verification code for verification when filling in the phone number, and was not allowed to fill in someone else's number at will. So why did Mr. Jiang receive payment reminders from others? The reporter consulted online loan platforms and banks.

A Network Loan Platform Staff

Either he filled in your phone number, or he has your phone number in his address book.

B Network Loan Platform Staff

It may be a small online loan company like the one you used to work with or an informal online loan company. It only requires you to fill in a personal information form. Regardless of whether you are familiar with them or not, regular ones usually make a phone call for review.

Bank staff

It is possible that during the loan process, the contact person needs to be filled in below. The lender has filled in their phone number, but the contact person does not actually assume any guarantee responsibility. However, some online loan platforms will blacklist all the contacts.

At present, Mr. Jiang's problem has not found a good solution, and the reporter has also reported his experience to the Zhejiang Banking and Insurance Regulatory Commission. The regulatory department stated that each bank has its own risk control evaluation system. We will also conduct an investigation into Mr. Jiang's experience in the future. Mr. Jiang himself hopes to remind everyone through his own experiences: "On the one hand, I hope everyone does not encounter things like me. On the other hand, when the loan platform conducts reviews, can it be more rigorous and at least verify the information of the other party

The use of Big data on the Internet has indeed brought a lot of convenience to people's lives, but there is also a risk of abuse of Big data. How to standardize management and improve the audit mechanism is an urgent problem to be solved.

Source: Xiaoqiang Hotline Zhejiang Education and Science

Disclaimer: The content of this article is sourced from the internet. The copyright of the text, images, and other materials belongs to the original author. The platform reprints the materials for the purpose of conveying more information. The content of the article is for reference and learning only, and should not be used for commercial purposes. If it infringes on your legitimate rights and interests, please contact us promptly and we will handle it as soon as possible! We respect copyright and are committed to protecting it. Thank you for sharing.(Email:[email protected])