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Millions of records are maintained by CIBIL and some time if the financial institutions have wrongly reported due to some errors, there is a possibility of such defaults on your account .However If you believe that either some of the personal details or one or more accounts on your credit report do not belong to you, you should write to the credit bureau. The credit bureau will look into the matter and help you update the information if required. (If you have any more clarifications please feel free to contact me directly my mail or phone. Marina[protected]/[protected])
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