Identity proof and Credit History made easy @ an Indian Bank

I was recently told about an event that happened in one particular branch of a Nationalized bank in India. This event clearly shows how easily credit history can be built and be misused.

The manager of a major bank's branch in Hyderabad created an account on the name of his wife, sometime ago. The account holder, his wife doesn't even know about it. Later after a few years, he adds his daughter in law as a joint holder to that account. To produce an address and identity proof for his daughter in law, he removed his wife's name from the account.

Now his daughter in law holds an account ... 

opened few years before --- not by her

with good credit history -- which she did not create

and last but not the least -- she did not even sign for this account. 

Everything was handled by this branch manager. 

So, guys if you want an address proof you can simply approach any of your relatives who work at better positions in such banks and get it. 

Only stupid people like me, have to maintain everything.