Lost my driving licence then got it back same day, didnt file an FIR, What should be done ?

I had dropped my wallet on road one year back which had my drivers license in it, at evening i got a call from a person on my father's number as it was written in emergency contact on my license itself saying they had found my wallet lying on the road so i was able to get it back. Now due to this reason i did not file any complaint or FIR because i got it back the same day. Now these days i get a call first from a hdfc bank employee saying someone named vaibhav gautam had taken a loan and made me his nominee, the employee knew my name and address correctly also but i dont know any vaibhav gautam so i assume someone had missued my drivers license and taken load from the bank on my name, then some days later again i got a call from some courier company saying the same name that some vaibhav gautam had given your name for proof etc. So someone named vaibhav gautam is missuing my drivers license for doing fraud? What can i do in this situation as i had not made any FIR at the time my license got lost? and i want to know if someone had a copy of my drivers license, will i be in trouble in the future because of that? Because you also give photocopy of your document in several places like buying a sim card or some other agents, so will all those agents you give your license pic or photocopy to, how much fraud will they be able to do in my name ?