Byju's — My loan still active

I was Purchased one IAS subscribtion. but i was cancelled within 7 days. because am change my mind. I got my refund 7 Thousend in last november 2022.
I am not aware my loan. recently check my civil score that reflect one loan account active and overdue last 3 month.
I have try to connect byjus 50 times to provide me loan noc . it's a fake loan active over my pan card.
i am not paying any emi because i am aware this loan .. how can possible 3 emi overdue that impact my cvil score badly.