INAI Requests Information from Infonavit Over Unauthorized Mortgage Loan: Identity Theft and Economic Damages Highlighted

The INAI requests information from Infonavit about a credit not required by the beneficiary.

During the month of February 2024, the National Institute of Transparency, Access to Information and Protection of Personal Data (INAI) asked the Institute of the National Housing Fund for Workers (Infonavit) to provide it with information related to the opening of a mortgage loan that was issued in the name of a beneficiary, which was not requested by the person in question.

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Given this, the commissioner of the Inai, Josefina Román Vergara, highlighted that identity theft for the purposes of obtaining mortgage loans is a cause of serious economic damage to workers, this is because the credits are immediately deducted from their salary every month.

According to the case presented by the institution, it was detected that a person requested information from Infonavit related to the contract and the documentation necessary to open a loan issued in his name.

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In response, the housing institute announced that the record of the aforementioned credit had been located, however, it indicated that said file noted an inconsistency with the official identification presented, since it is different from the one provided in the application.

Josefina Román Vergara highlights the economic damages of identity theft. (Photo: Pixabay)

For this reason, it was communicated that access to the personal data that was requested was inadmissible, since there was no certainty of the personality that was being attempted to be accredited.

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Likewise, they highlighted that in the case of identity theft, the affected person could file a complaint at the administrative headquarters of the person responsible, so that it can be demonstrated that it was not the beneficiary who carried out the procedure.

In this way, payroll deductions would be suspended and, subsequently, the amounts that were improperly deducted would be returned. For this reason, the affected person was asked to attend the legal or credit area of ​​the nearest Regional Delegation or, if appropriate, default, to the Monitoring, Complaints and Reports Management of the Comptroller General’s Office.

The situation was sufficient reason for the person in question to demonstrate disagreement and present an appeal for review before the Inai, detailing each time they were denied the exercise of the right to access their personal data.

The appeal for review before the Inai arises from the denial of access to personal information. (INE Mexico)

Given this, Commissioner Román indicated that the decision of inadmissibility by Infonavit, motivated by a discrepancy between the applicant’s voting credential and the documentation in the credit file, led to the intervention of the National Electoral Institute (INE) as interested third party.

This measure, based on the Federal Law of Administrative Procedure, complementary to the General Law on Protection of Personal Data held by obligated entities, seeks to clarify the situation as the INE is the competent entity to validate the authenticity of voting credentials.

The INE reported that the voting credential presented by the applicant in its processing corresponds and coincides with the records of the Electoral Registry. However, the credential referred to in the credit file does not have issuance support in its records, which indicates that it is an apocryphal document.

Finally, Commissioner Román Vergara highlighted that situations like this show the difficulties that some individuals face with mortgage loans, highlighting at the same time the opportunity that the INAI offers so that people can access and verify their own personal data.

2024-02-10 02:51:44
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