[Resolved] CIBIL Credit Report — CIBIL CREDIT REPORT | |
There are two credit bureaus that maintain your credit data in the country now, the prominent among them is CIBIL or Credit Information Bureau (India) Ltd. The newly notified Credit Information Companies Regulation Act , 2005 (CICRA) gives a consumer several rights with regard to credit bureaus. 1) First you should approach CIBIL (www.cibil.com) to get a copy of your own credit report. This right is given to you by CICRA. Make the request officially in writing and get an acknowledgement for your request. 2)This report will then outline what exactly is reported by the bank in respect of your credit account and enable you to take action accordingly if there is any error in the reporting. Specific measures have been provided in the CICRA for the consumer to raise a dispute in respect of any wrong reporting with a time bound dispute resolution mechanism that has been built in. You can take up the matter with the concerned bank by posting a complaint on their website and keep proof of that with you. If there is no response from the bank within 15 days, you can lodge a complaint with banking ombudsman (www.bankingombudsman.rbi.org.in). Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 734 Comments | |
Comments
HI, kindily let me know whether my name had on defaulter list
Reply
Dear Sir,
I have mailed to ur [protected]@cibil.com and also called to broadline for clarification as wrong information has been Updated to my database. But i didn't get any Accurate Response as i feel that they are neglecting my mail. My complaint is that my database has been wrongly updated for which iam not at all responsible. My data base is updated with other person's information, I mean My praveen Kumar and the other person whose information is updated his name is Patil Pravin Kumar. His Date of birth and Name(not accurate) matches and my adress has been updated to his Column. The information wht cibil has mailed me for my control number not at all related to me, because they said that it is reported by bank of india and have given the account number but Highlighted thing is that i have no account in Bank of India and i think that may be mis coding from your side.
Hope that when u have the rights to Update the credit Information at the same time you should have the potential to Clear the same Immediately which is incorrect before it takes the Turn. So sir I am giving my information Once agin here in Complaint to for verification. Below mentioned is my Information.
Control Number[protected]
Name: Praveen Kumar
Date of birth[protected]
Fathers Name - Narayan moliy
Pan Number - BDAPK9477P
Add - H-No 8-2-85
Near Mathura chatra
Bailakere
Udupi - 576101
Regards,
Praveen K
I have mailed to ur [protected]@cibil.com and also called to broadline for clarification as wrong information has been Updated to my database. But i didn't get any Accurate Response as i feel that they are neglecting my mail. My complaint is that my database has been wrongly updated for which iam not at all responsible. My data base is updated with other person's information, I mean My praveen Kumar and the other person whose information is updated his name is Patil Pravin Kumar. His Date of birth and Name(not accurate) matches and my adress has been updated to his Column. The information wht cibil has mailed me for my control number not at all related to me, because they said that it is reported by bank of india and have given the account number but Highlighted thing is that i have no account in Bank of India and i think that may be mis coding from your side.
Hope that when u have the rights to Update the credit Information at the same time you should have the potential to Clear the same Immediately which is incorrect before it takes the Turn. So sir I am giving my information Once agin here in Complaint to for verification. Below mentioned is my Information.
Control Number[protected]
Name: Praveen Kumar
Date of birth[protected]
Fathers Name - Narayan moliy
Pan Number - BDAPK9477P
Add - H-No 8-2-85
Near Mathura chatra
Bailakere
Udupi - 576101
Regards,
Praveen K
i didnt gets any status of my application of credit cards.
Hi,
I have applied for a loan and got rejected as my name seemed to have appeared in CIBIL. I was told that one of teh credit cards had written off; however, I am not sure of the bank. I do have other credit cards from other banks, but somehow the one that is written off doesn't disclose the bank name. How do I know which bank it is? and how do i re-pay it?
Please let me know what the next step of action is...
Thanks,
Pavan
I have applied for a loan and got rejected as my name seemed to have appeared in CIBIL. I was told that one of teh credit cards had written off; however, I am not sure of the bank. I do have other credit cards from other banks, but somehow the one that is written off doesn't disclose the bank name. How do I know which bank it is? and how do i re-pay it?
Please let me know what the next step of action is...
Thanks,
Pavan
I have applied for a House loan in IDBI, but the same was rejected due to CIBIL report. According to CIBIL I have some credit card amount written off in my account.
I am absolutely fed up and have being going in circle with issue. Can somebody help me? Does the remark on my account mean I will not be able to avail loan for the rest of my life?
kindly reply to help me,
Thanking you
chandra rao koritala
I am absolutely fed up and have being going in circle with issue. Can somebody help me? Does the remark on my account mean I will not be able to avail loan for the rest of my life?
kindly reply to help me,
Thanking you
chandra rao koritala
Hi,
I had applied for personal loan. After 15 days, they told that you will not get personal loan because of bad credit history. I dont know what they mean. I havn't took any loan in past or never delayed any credit card payment. How can I check my CIBIL report.
Please guide me.
Thanks in advance.
Regards,
Shriram
I had applied for personal loan. After 15 days, they told that you will not get personal loan because of bad credit history. I dont know what they mean. I havn't took any loan in past or never delayed any credit card payment. How can I check my CIBIL report.
Please guide me.
Thanks in advance.
Regards,
Shriram
Sir i want to check my cibil report? pls let me know in this regards
date of birth; 13/11/1971
add; no 5/2a krishma lane nengambakkam ch.600 064
sir we have applied a business loan in HDFC BANK and the control
No;[protected]. Their are telling that the cibil.com it showing the over due of Rs. 1140/-inthe credit card . I want to know about the detiles of which card when other information regards
add; no 5/2a krishma lane nengambakkam ch.600 064
sir we have applied a business loan in HDFC BANK and the control
No;[protected]. Their are telling that the cibil.com it showing the over due of Rs. 1140/-inthe credit card . I want to know about the detiles of which card when other information regards
Dear sir,
I am having ICICI credit card, issued by their marketing agents in our office directly. They also told me to take ICICI Health Card along with it, but I refused to take it, because I was not intrested in it. They forced and convinced me, by saying " if you are not satisfied with this health card, you can cancel the card without any charges ".
After getting this confirmation from them, they issued the card and they told me the charges that a monthly EMI of Rs. 312 will be debited from my credit card. I paid for one month. In the second month I was not satisfied and called them and requested to cancel the card. Their people again started convincing me, but I told them to please cancel the card.
They told ok, we are forwarding the request to our system and they will call within 10 days and I asked for complain number they told we will send to your mobile number.
No one called me, no complain number was given but I was calling them for my cancellation but there was a nill response from their side, but they was regularly debiting the amount from my credit card and I told them I will not pay the amount.
Nearly after 6 months they cancelled the card and I got the complain number atlast after many problems. They told me to pay the cancellation charges and I asked why I should pay, since they told there was no cancellation charges. Without any information they debited the cancellation charges from my credit card. Then I went to the ICICI Coimbatore credit branch and explained the problem and they told me contant the ICICI Lombard sevice.
I went and again explained the problem to them but yet now they are not responding to my complain. In the mean while without any information or warning the credit card division entered my name into CIBIL. When I applied for a loan it was rejected and for them only I got the information that my name was in CIBIL.
" Sir I have not even used my credit card one time also for purchasing ." but because of their irresponsibility my name is now in CIBIL.The total amount for the policy was nearly 6000 and so, but now the amout after the cancellation was nearly 8500 and so in my credit dues.
I kindily request you to take neccessary action againist the bank and clear my name from CIBIL, because many people's are cheated by these kinds of banks and force us to take insurance.
Thanks,
M. Antony Maria Thomas Benny.
I am having ICICI credit card, issued by their marketing agents in our office directly. They also told me to take ICICI Health Card along with it, but I refused to take it, because I was not intrested in it. They forced and convinced me, by saying " if you are not satisfied with this health card, you can cancel the card without any charges ".
After getting this confirmation from them, they issued the card and they told me the charges that a monthly EMI of Rs. 312 will be debited from my credit card. I paid for one month. In the second month I was not satisfied and called them and requested to cancel the card. Their people again started convincing me, but I told them to please cancel the card.
They told ok, we are forwarding the request to our system and they will call within 10 days and I asked for complain number they told we will send to your mobile number.
No one called me, no complain number was given but I was calling them for my cancellation but there was a nill response from their side, but they was regularly debiting the amount from my credit card and I told them I will not pay the amount.
Nearly after 6 months they cancelled the card and I got the complain number atlast after many problems. They told me to pay the cancellation charges and I asked why I should pay, since they told there was no cancellation charges. Without any information they debited the cancellation charges from my credit card. Then I went to the ICICI Coimbatore credit branch and explained the problem and they told me contant the ICICI Lombard sevice.
I went and again explained the problem to them but yet now they are not responding to my complain. In the mean while without any information or warning the credit card division entered my name into CIBIL. When I applied for a loan it was rejected and for them only I got the information that my name was in CIBIL.
" Sir I have not even used my credit card one time also for purchasing ." but because of their irresponsibility my name is now in CIBIL.The total amount for the policy was nearly 6000 and so, but now the amout after the cancellation was nearly 8500 and so in my credit dues.
I kindily request you to take neccessary action againist the bank and clear my name from CIBIL, because many people's are cheated by these kinds of banks and force us to take insurance.
Thanks,
M. Antony Maria Thomas Benny.
I had applied for CITI bank credit cards and the same was denied citing I am listed in CIBIL defaulters report. I have had a SBI credit card for the 10 years, and have closed it on June 2008 and I have never defaulted on any of my credit card bills. I am extermely sure I have been included as a mistake, but like many out here in this forum, I do not know what is the next step that I need to do to get my name cleared, as it scary to read that your name once entered into this report remains so for 7 long years.
Can someone help me on what my next steps to get out of this mess? Thanks much for your help.
Can someone help me on what my next steps to get out of this mess? Thanks much for your help.
Hai All,
Friends dont worry.To hell with CIBIL.
Every coins have two sides.
I suggest all of you that if youhave any problem with any bank or your name is tracked in CIBIL, is to break the barriers.
Just change your date of Birth while applying to any bank in future.
Even the father of CIBIL cant trace you for your previous records.
Cibil will just enter your name and date of birth, they dont focus on House address as we change it.
So the best way is to change the DOB.
I bet CIBIL dont have that much to trace your record without DOB.
With the same name they will be thousand people.
They only Trace with name and DOB matching.
Let me know what you thinks.
Friends dont worry.To hell with CIBIL.
Every coins have two sides.
I suggest all of you that if youhave any problem with any bank or your name is tracked in CIBIL, is to break the barriers.
Just change your date of Birth while applying to any bank in future.
Even the father of CIBIL cant trace you for your previous records.
Cibil will just enter your name and date of birth, they dont focus on House address as we change it.
So the best way is to change the DOB.
I bet CIBIL dont have that much to trace your record without DOB.
With the same name they will be thousand people.
They only Trace with name and DOB matching.
Let me know what you thinks.
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![Credit Information Bureau India [CIBIL] Phone](/img/bn/phone.svg "Credit Information Bureau India [CIBIL] Phone"){kind=small}
+91 22 6140 4300 [Helpline]
+91 22 6638 4600 [Corp Office]
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Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai, Maharashtra, India - 400021