As I was preparing to apply for a home loan, I was informed by the lending institution that my Credit score on CIBIL as well as CRIF was low - due to a loan account of 250/-, apparently from Aditya Birla Finance Limited, that has been overdue for 5 months.
This was an absolute shocker for me as I do not recall applying for a loan of 250/-, ever, and more importantly, I was never approached by anyone regarding the overdue amount.
Loan Type is reported as Other, with a masked account number of #####################4790.
When I called ABFL support, I was plainly told that they have no information about this loan account and it COULD be Paytm Postpaid account. I informed them and also shared screenshots showing that I had never activated paytm Postpaid.
Having seen other complaints about a similar issue, I realized that this could possibly be related to olamoney postpaid, that has been consistently paid, well before the due date, without any outstanding amount.
As a consumer who is looking to get a home loan, I was in for a rude shock because my credit score has dropped drastically, due to the aforementioned overdue loan, for an incorrect and wrong overdue amount of 551/-, as of now. I am sure this would keep increasing and whoever is responsible, is not even willing or has the courtesy to reach to the customer and check on the reason for overdue amount or collect the money.
Also, the customer support from ABFL, Paytm and Ola is absolutely pathetic as there is no way to communicate with them apart from a way too uncomfortable means of message or email.
I am getting tired of getting this to be corrected as I see no end to this agony of a lowered credit score, for no fault of mine!
Please take a look at the olamoney postpaid account status that shows no outstanding amount. Also, paytm postpaid (as I had informed the ABFL support team) was never activated.
I have no clue on how to get this sorted and corrected..
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