Right to Information Wiki Blog

Latest RTI decision notes

Your Aadhaar, PAN, and Bank Details Are Everywhere: How Data Leaks Actually Happen

You give Aadhaar photocopy for a hotel. PAN for a job form. Bank statement for a loan. Aadhaar again for SIM. Selfie for a delivery app. Later, you get loan calls, credit card offers, fake KYC messages, or a notice about an account you never opened.

It feels like your details are everywhere because, in many places, they are.

Quick answer. Personal data leaks through photocopies, weak KYC handling, fake agents, loan apps, SIM fraud, job scams, old forms, and careless sharing. Use masked Aadhaar where possible, write purpose and date on copies, avoid sending documents on WhatsApp to unknown people, check credit reports, and act fast if PAN, Aadhaar, SIM, or bank details are misused.

If you are short on time, go to what to do in the next 30 minutes.

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Why Indians Fear Filing Complaints Even After Being Scammed

A person loses Rs 25,000 in a fake job scam. The first thought is not police. It is, “What will my family say?” A trader loses money in a Telegram group. He thinks, “People will call me greedy.” A woman shares documents with a fake loan app. She fears harassment.

So the victim stays silent. The scammer moves on.

Quick answer. Many Indians do not complain after scams because they feel shame, fear police, fear family reaction, fear losing more money, or do not know where to complain. The safest first step is to stop contact, save proof, call 1930 for recent online financial fraud, inform the bank, and file at cybercrime.gov.in.

If you are short on time, go to the first 30-minute action plan.

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The Screenshot Economy: Why Proof Matters More Than Truth in India

Someone cheats you on UPI. A company refuses a refund. A fake recruiter deletes the Telegram group. A customer care agent says they never promised a callback. You know the truth. But the other side asks, “Where is the proof?”

This is the screenshot economy. In India, many disputes are not lost because the person is lying. They are lost because the person did not save proof at the right time.

Quick answer. Screenshots matter because complaints need records. But weak screenshots are not enough. Save full chats, payment proof, email copies, complaint numbers, dates, links, phone numbers, and a timeline. Put everything in one folder before filing a consumer, cyber, bank, or RTI complaint.

If you are short on time, go to what to do in the next 30 minutes.

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