Legal analysis: The solution is as follows: 1. Impersonators should actively negotiate with banks that handle loans and credit cards. If the bank refuses to solve the problem, it can bring a lawsuit to the people's court and demand that the bank bear the corresponding legal responsibility caused by lax examination. 2. The impostor should pay attention to collecting evidence. In view of the fact that all kinds of contracts and evidence of impostor loans are not signed by him, he can apply for legal appraisal. The impostor should not listen to the rumor that any intermediary agency can "whitewash" the credit record, and choose formal legal procedures to solve the problem.
Legal basis: Article 17 of the Law of the People's Republic of China on Resident Identity Cards commits one of the following acts, and the public security organ shall impose a fine of more than 200 yuan but less than 1,000 yuan, or detain it for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated: (1) using another person's identity card or using a fraudulent identity card; (2) buying, selling or using forged or altered identity cards. Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs.