How to draft a police complaint using AI against fraudulent builders: Part 3

This article walks you through how to use AI to draft a strong, structured, and legally sound police complaint against fraudulent builders, without getting lost in legal jargon or emotional overload. If you are a fraud victim or a lawyer helping one, this 5-step method will show you how to turn raw facts into a complaint that gets the police to take action.

Introduction 

“We caught the fraud before I lost my money, but what about his next victim? Can’t we stop him from doing this to someone else?”

This question from my client, Meera Sharma, changed everything about how I approach real estate fraud cases.

In Part 2 of this series, I showed you how AI-powered due diligence systems can catch red flags that even experienced lawyers miss. We saved Meera from losing Rs. 1.2 crores to a sophisticated property fraud ring that had been operating across NCR for years.

But Meera’s question haunted me: Preventing fraud is only half the battle. What about prosecution?

That answer came three weeks later when Rajesh Kumar Sharma walked into my office. Unlike Meera, Rajesh was not seeking due diligence advice. He was seeking justice.

“I have already paid Rs. 63.75 lakhs to a builder for an apartment that does not exist,” he said, spreading documents across my desk. “I have proof of everything: fake RERA certificates, forged approvals, diverted funds. But when I went to the police station, they said I needed a ‘proper criminal complaint.”

The officer at the police station had told Rajesh something that, unfortunately, rings true in most fraud cases: “Sir, your complaint is too complicated. We need something that clearly shows criminal offences, not just a business dispute. Come back with a proper legal complaint.”

Here is the reality: most police complaints filed by fraud victims are either too emotional (“They cheated me!”), too technical (drowning in legal jargon), or too scattered (jumping between dates and facts). Result? Police often treat them as civil disputes rather than criminal fraud.

Now imagine this: You ask AI for a question checklist, answer the questions, and in one hour, you have a clean, legally sound draft that actually compels police action.

“I need to file this complaint myself,” Rajesh said. “But I do not know how to structure it properly. The police officer said most complaints they receive are poorly drafted and do not lead to action. How do I make sure mine gets their attention?”

“Give me one hour to teach you the framework,” I told him. “You will draft the complaint yourself, but AI will guide you through every step.”

The 5-step AI framework 

Step 1: Get the question checklist

Goal: Get a complete list of information needed for your police complaint.

What to ask AI: 

“I want to draft a police complaint against a builder for real estate fraud. Before I provide the details, give me a structured list of legal and factual questions I need to answer to ensure the complaint is complete, persuasive, and suitable for registration under Indian criminal law”.

AI gives you this checklist:

I will provide you with essential questions for drafting a builder fraud police complaint:

FACTUAL QUESTIONS:

About You (Complainant):

1. What is your full name, age, and occupation?
2. What is your complete address with the PIN code?
3. What is your contact number and email?

About the Accused Builder: 4. What is the builder’s company name and address? 5. Who are the key people you dealt with (names and designations)? 6. Do you have their contact details?

About the Property Deal: 7. What project did you invest in, and where is it located? 8. What was the total agreed amount, and what did you actually pay? 9. When did you make each payment, and how much each time? 10. What specific promises were made (possession date, amenities, approvals)? 11. What documents were shown to you (RERA certificate, approvals, brochures)?

About the Fraud Discovery: 12. When and how did you discover the fraud? 13. What evidence do you have of false representations? 14. What attempts did you make to resolve the matter? 15. What was the builder’s response to your complaints?

LEGAL QUESTIONS: 16. Do you have evidence of fake documents (RERA certificate, approvals)? 17. Can you prove the money was taken under pretences? 18. Is there evidence of fund diversion or misuse? 19. Are there other victims with similar experiences? 20. Is there an immediate risk of the accused fleeing or destroying evidence? 21. Under which provisions of BNS is the offence committed? 

Step 2: Answer all the questions

Goal: Provide complete information for AI to work with.

What to tell AI: 

“Here are my detailed answers to all your questions:

About Me:

1. Rajesh Kumar Sharma, 45 years, Software Engineer at Infosys Limited
2. B-204, DLF Phase II, Gurgaon, Haryana – 122002
3. Mobile: +91-9876543210, Email: [email protected]

About the Accused: 4. Skyline Developers Pvt. Ltd., 402, Tower-A, Business Hub, Sector 47, Gurgaon – 122018 5. Mr. Vikash Aggarwal (Managing Director), Ms. Priya Malhotra (Director Sales) 6. Yes, have their business cards and email addresses

About the Deal: 7. ‘Skyline Paradise’ project, Sector 89, Gurgaon, 2BHK apartment Unit B-1205 8. Total amount Rs. 85 lakhs agreed, paid Rs. 63.75 lakhs so far 9. March 20, 2023: Rs. 8.5 lakhs; April 18, 2023: Rs. 12.75 lakhs; August 15, 2023: Rs. 21.25 lakhs; January 12, 2024: Rs. 21.25 lakhs 10. Possession by December 2024, all approvals obtained, RERA registered, premium amenities 11. RERA certificate HRERA-GGM-456-2023, building plan approval, project brochure

About Discovery: 12. August 15, 2024 – site visit showed no construction, RERA check showed fake registration 13. Site photos, fake RERA certificate, RTI replies, email communications, payment receipts 14. Sent emails August 20 & 23, legal notice September 2, meetings with sales team 15. Initially, excuses about delays, then refused a refund, and stopped responding

Legal Aspects: 16. Yes, fake RERA certificate, forged municipal approvals
17. Yes, payment receipts and false promises are documented in emails. 18. Yes, the company used funds for other projects and personal expenses. 19. Yes, 47 families affected, total fraud Rs. 12+ crores. 20. Yes, the office is frequently closed, assets are being disposed of, and preparing to flee. 21. Sections 318, 316, 61, 336, and 340 of BNS are violated.” 

AI responds: Thank you for the comprehensive information. Based on your answers, this is clearly a case of systematic criminal fraud involving cheating, criminal breach of trust, forgery, and criminal conspiracy. I have all the information needed to draft a strong police complaint that will compel immediate investigation.

Pro tip: Be as specific as possible with dates, amounts, and names.

Step 3: Get your first draft

Goal: Receive a complete, legally formatted police complaint.

What to ask AI:
“Based on my detailed answers above, please draft a comprehensive police complaint that clearly establishes fraud and compels police action.”

AI gives you this draft. 

What you do: Read through carefully and identify areas that need improvement.

Step 4: Ask for specific improvements

Goal: Perfect your complaint by targeting specific weaknesses.

Refinement options (choose what you need):

For a stronger timeline: “Add more specific details about each fraudulent act and what evidence supports each criminal charge.”

For a better legal foundation: “Explain in simple language how each BNS section applies to the specific facts of this case.”

For more evidence clarity: “Organise the evidence to show exactly what each document proves about the fraud.”

For greater urgency: “Strengthen the urgency section with specific details about flight risk and ongoing fraud threats.”

AI gives an improved version (example after asking for a stronger timeline):

Step 5: Manual refinement

Once I receive the improved version, I will make a few additional edits in red to address points the AI might have missed.

To, 

The Station House Officer, 

Police Station Sector 40, 

Gurgaon, Haryana

Subject: Complaint under sections 318, 316, 61, 336, and 340 of Bharatiya Nyaya Sanhita 2023  against Skyline Developers Pvt. Ltd. and others for cheating, criminal breach of trust, criminal conspiracy and forgery

Respected Sir,

I, Rajesh Kumar Sharma, aged 45 years, Software Engineer with Infosys Limited, resident of B-204, DLF Phase II, Gurgaon, Haryana – 122002, is filing wish to file this criminal complaint against the following accused persons: Skyline Developers Pvt. Ltd. located at 402, Tower-A, Business Hub, Sector 47, Gurgaon, Mr. Vikash Aggarwal who is the Managing Director, and Ms. Priya Malhotra who is the Director (Sales).

1. On March 15, 2023, I attended a property exhibition at Kingdom of Dreams, Gurgaon, where the accused persons deliberately displayed a fabricated RERA certificate bearing number HRERA-GGM-456-2023, knowing it to be completely fake, and made specific false promises including guaranteed possession by December 2024, completion of all government approvals, and commencement of construction for the “Skyline Paradise” project in Sector 89, Gurgaon. 
2. These representations were made with full knowledge of their falsity, as evidenced by my payment receipt dated March 20, 2023, for Rs. 8.5 lakhs, and the apartment buyer agreement was signed the same day. 
3. On April 18, 2023, the accused fraudulently demanded Rs. 12.75 lakhs by sending me a newsletter falsely claiming “foundation excavation work has been completed and structure work will commence,” when the project site remained completely untouched, as supported by my bank transfer receipt NEFT UTR: HDFC0001234567890 and the fraudulent progress report they sent via email dated April 15, 2023. 
4. On August 15, 2023, they continued their systematic fraud by collecting Rs. 21.25 lakhs for an alleged “structure completion” milestone, sending fabricated site photographs and false progress updates via their company newsletter, while no actual construction had begun, as evidenced by my demand draft number 123456 from ICICI Bank and the fake progress photographs they emailed. 
5. On January 12, 2024, the accused demanded and collected another Rs. 21.25 lakhs for non-existent “finishing work” by showing computer-generated images of interior work, while the project site remained completely empty, supported by my RTGS payment reference ICICI000987654321 and their fraudulent WhatsApp messages showing fake interior progress. 
6. When I conducted a site visit on August 15, 2024, I discovered that despite 17 months and payment of Rs. 63.75 lakhs, only boundary walls and basic excavation existed, contradicting all their false progress claims, as documented in the photographs I took during the site visit. 
7. On August 20, 2024, I verified through the official RERA website that registration number HRERA-GGM-456-2023 was completely fabricated, and my RTI application to the Gurgaon Municipal Corporation confirmed that no building plans were ever approved for this project, establishing the systematic nature of the fraud.
8. The accused persons have committed serious criminal offences under the Bharatiya Nyaya Sanhita 2023. Section 318 applies because they dishonestly deceived me by showing fake RERA certificates and forged approvals, knowing these to be false, and induced me to part with Rs. 63.75 lakhs, which I would never have paid if I knew the truth about the non-existent approvals and project status. Section 316 applies because I entrusted my money specifically for apartment construction and delivery, but they dishonestly used my funds for their personal expenses and other business ventures instead of the promised apartment construction, as evidenced by bank account analysis showing fund transfers to their personal accounts. Section 61 applies because all three accused persons planned together from the beginning to cheat multiple buyers using the same fake documents and false promises, with each playing a specific role: the company providing the platform, Mr. Aggarwal authorising the operations, and Ms. Malhotra executing the fraud with buyers like me. Section 336 applies because they created fake RERA certificates and government approval documents that never existed, as confirmed by official government sources. Section 340 applies because they knowingly used these forged documents during our meetings, in sales presentations, and while signing agreements, fully aware that these documents were fabricated.
9. The accused have committed offences under BNS: Section 318 (cheating by deception), Section 316 (criminal misappropriation of entrusted funds), Section 61 (criminal conspiracy), Section 336 (forgery of public documents), and Section 340 (use of forged documents).
10. There are immediate and serious threats requiring urgent police intervention. Mr. Vikash Aggarwal has been frequently absent from the office since October 2024, the company office at Business Hub remains closed for days at a time, and their employees have been terminated with instructions to return all company documents, indicating systematic evidence destruction. Digital records of buyer communications are being deleted, and original buyer files have been reported “missing” when buyers demand documentation. 
11. Most alarmingly, the accused continue to actively market the same fraudulent project to new buyers using identical fake RERA certificates, with recent victims reporting being shown the same fabricated documents, meaning an estimated 15-20 additional families are at immediate risk of fraud. The scale of this criminal enterprise has now reached Rs. 12+ crores, affecting 47 families, and banking records show large fund withdrawals and attempts to transfer money to overseas accounts, confirming preparations to permanently flee and avoid prosecution.

I most respectfully request that cognisance of these offences be taken immediately.  registration of the FIR and urgent investigation to prevent the accused from fleeing jurisdiction, destroying remaining evidence, and continuing to defraud innocent buyers who are being targeted daily with the same fraudulent scheme.

Yours faithfully, 

Rajesh Kumar Sharma 

Mobile: +91-9876543210 

Date: [Current Date]

Enclosures:

1. Payment receipts; 

2. Fake RERA certificate HRERA-GGM-456-2023; 

3. Site visit photographs; 

4. RTI response from Gurgaon Municipal Corporation; 

5. Email correspondence; 

6. Bank statements; 

7. RERA website screenshots; 

8. Apartment buyer agreement; 

9. WhatsApp messages.

See how smooth that was? The AI did not just give out a draft; it actually organised the facts in order, cut the fluff, and gave me something usable right away. I only had to make a few minor changes. That is time saved and structure sorted.

Step 6: Translate the police complaint into your regional language (optional)

Once your complaint is finalised in English, it may be essential to translate it into the official or commonly used language of the local police jurisdiction. This ensures accessibility and avoids delays in registration or action.

Prompt to AI:

“Translate the following police complaint from English to Hindi/Marathi/Telugu. Make sure the legal tone and structure remain intact. Maintain respectful and formal language. Here’s the text: [Insert complaint text here]”

AI will immediately respond with a translated version. 

But ensure you have the translated version verified, preferably by a native speaker or local lawyer, before submission, especially if the matter is sensitive or legally complex.

Take a quick look with a help of this infographic:

Why this 6-step method works

For victims:

• Clear roadmap: No confusion about what information is needed
• Complete coverage: AI’s questions ensure nothing important is missed
• Professional result: Legally formatted complaint that police take seriously
• Time efficient: One hour vs. weeks of confusion

For police:

• Easy to understand: Clear criminal elements and timeline
• Action-oriented: Specific threats requiring immediate investigation
• Evidence-ready: Clear roadmap for verification and case building
• Professional presentation: Proper legal formatting commands respect

Final thoughts

This systematic approach transforms fraud victims from helpless complainants into empowered seekers of justice, using AI as their legal assistant to ensure nothing falls through the cracks.

Remember: You are not trying to become a lawyer; you are just organising your facts in a way that makes it easy for the police to see the crimes and take action.