I not only believe it, I have seen what can happen. When I was an apprentice mechanic, a truck came in with the fan right into the rad. He did exactly what you are talking about, carboard right against the rad. The bearings on the fan clutch got weak, and finally let go, allowing the fan to go forward into the rad. There is alot of suction from that fan, if you block it, it is still trying to suck air through the rad, when then means the fan is going to try to go towards the blockage, like a vacumn cleaner