My Car Insurance Claim Accidentally Exposed a Massive Fraud Ring at Acko

**TLDR**: Found out Acko is using fake surveyors working under borrowed IRDAI licenses. Have recorded the licensed surveyor admitting and threatening me. Filed with IRDAI but looks like complaint goes back to Acko. Need help figuring out how to actually get action taken. \[LONG POST\] Picture this: December 16, normal day, car gets hit at a toll plaza. Filed claim with Acko, pretty standard stuff. Next day, this guy Shyam Pandey shows up, takes photos, seems professional enough. Then things got weird. Acko denies my claim. No report, no explanation. Just "denied." Every time I ask for the report, it's "2 more days." This goes on for *weeks*. Finally, on December 28, they send me a report dated December 23, with just one line of observation. But here's the kicker - it's signed by someone named Aman Kumar, IRDAI License SLA-122100. Wait... who's Aman Kumar? The guy who came was Shyam Pandey. So I called this Aman Kumar. What happened next blew my mind. He *casually admits* he never came to see my car. Says he sent "his guy" instead. When I pressed about credentials? He turned threatening. Just like that. **Let that sink in:** * Licensed surveyor openly running a proxy operation * Unauthorized people handling claims * Insurance company playing along * Threats when questioned I've filed with IRDAI (got a complaint number and everything), but here's the fun part - they're sending the complaint back to Acko to "resolve." Like asking the fox to investigate missing chickens. I've got everything: * Recorded admission from the surveyor * Photos proving who actually came * Full email trail * The fraudulent report But I'm lost about next steps. This isn't just about my claim anymore. How many thousands of people are getting scammed without ever knowing? **Need advice on:** 1. Getting action against the surveyor 2. Best legal route (police/consumer court?) 3. Stopping this systematic fraud This isn't just about my claim anymore - *it's about stopping a system that's probably hurting thousands of people without their knowledge.* Edit: Located in Sasaram. Have all evidence documented. DM if you've faced something similar or can offer legal guidance.