Punjab National Bank [PNB] — Fraud loan in CIBIL

Sir,
My name is Sanjay Kumar Misra. My PAN card number is AGRPM2426M, and my Aadhar Card number is[protected]. I am a professor in the English department in a college here in Agra.
I have come across a misappropriation of my IDs for getting and defaulting a bank loan in my name. I got to know about it through my CIBIL Report. I was informed about it on 09 Oct. 2023 when my credit card application was declined by a bank due to this shortcoming in my CIBIL. I have never defaulted in payment; hence, I always thought that my credit score must be very good. But this CIBIL revelation has shocked me.
The red card shown in my CIBIL report concerns a PNB Business Loan -Priority Sector- Agriculture; ownership – Individual [protected]; high credit – 189000/-; current balance – 218065/-; amount overdue – 223065; date opened – 31.10.2014. PNB perhaps stands for Punjab National Bank.
This is a shocker for me. I have nothing to do with it. I never applied for such a loan, and I never got to know about it. Someone has definitely used my PAN and Aadhar without my knowledge to do this fraud; that is why it is showing up in my CIBIL report.
Kindly look into the matter and clear my name and IDs from this fraud so that my CIBIL score and report become clean and acceptable.
Please see the attached files.
Yours faithfully,

Sanjay Kumar Misra
2/8, H.I.G. Flats, ADA Colony,
Civil Lines, Sanjay Place,
Agra -282002
Ph. [protected]
Email: [protected]@gmail.com
PAN Card: AGRPM2426M
Aadhar Card:[protected]