Defaulter in Personal Loan

Hey! This is Anil, I have taken a personal loan in 2018 of 8.15Lacs, I paid 17 emi of Rs 18,964/- monthly. After that covid came & my last emi that i had paid is of Feb 2020, after that i have not paid the emi till now (except 10,000 in sept22 on bank upi directly)..One more thing, this loan is processed by my cousin brother (bank employee at that time) in fraud way (like he manipulate my adhaar no., but my pan card is corrected ) he also detained for his personal loans by court also in 420 cases, where he takes loan in name of other person of same of his name by manipulating his documents and all, now when his case appears (in last dec21), all loans processed by him at that time including me, are marked fraud by banks incl.mine....what should i do now, i approached the recovery man for settlement also several time,he always says that sir ho jayega but from last one year he is unable to do that, may be but due to this fraud mark, thing are not going with me, i am ready to do settlement till 3.5lacs today..what should i do please guide. Infact when i checked my CIBIL report at paisabazar today, its "Experian" shows this in status--- "Suit filed (wilful default) and written-off"....what does it means?? What bank can take action against me?? And should i do please help, i am very much tensed from last one year.. regards/Anil