[Resolved] CIBIL Credit Report — Failure to provide credit report

rahulsingh01

from Delhi, Delhi

Address:

Maharashtra

Hello

I'd filled out a credit report request and made an online payment (Reference [protected]). I'd printed out the form and sent it via courier to the address mentioned on the website on Aug 9th.

I got an email from CIBIL advising me that my address on the credit report from a certain institution does not match and asked me to get an address confirmation letter of latest address from Credit institution. However, they did not tell me who that credit institution is.

It sounds silly if someone tells me to get a report from an insititution and does not tell me who it is? If I have a few bank accounts and credit cards, who should I approach?

I tried explaining the same to them over email a number of times, the latest on Aug 26th and Oct 5th and have got the same reply from them. I tried calling them at the number listed on their website, +[protected]. This number is always busy and i am not able to reach an operator.

If this is the level of customer service that is going to be provided in a large country like India, the question to ask is should they even be authorized to provide this service of having credit histories.

I checked your website and there are already a lot of complaints against CIBIL. Please advise course of action.

Regards
Rahul

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Aug 13, 2020

Complaint marked as Resolved

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Comments

dethiraj

from Palghat, Kerala

It is impossible to get any response from CIBIL. CIBIL Credit report showd that Rs 4 lakhs were written off by a Credit Card issuer by name "SHAHA" . Neither the name makes sense nor the case of write-off ever happened. I live in Chennai and feel helpless because I am unable to establish communication with CIBIL

rajpp69

from Aizawl, Mizoram

file a consumer case against CIBIL in the district consumer forum. you will get redressal and compensation too.
R.Panigrahy, Bhubneswer, Orissa

rajpp69

from Aizawl, Mizoram

i have sympathy

Vimalbalaji

from Durgapur, West Bengal

Hello,
CIBIL, a useless firm which provides reports and did not update from the bank who reported about an individual . In my case there was a dispute of my credit card from ( HDFC Bank - which is first in disclosing to CIBIL about their customer, none of the bank does ) and JUST DIAL mischieviously used to swipe my card and withdrawn money, when i asked them first they agreed to refund the same later they told the Money was given by HDFC Bank how silly behaviour of JUST DIAL . Meanwhile HDFC have reported to CIBIL, finally I paid all the money against my Credit card to HDFC in the month of June, 2010

In another instance I have personal loan and I intentioanlly hold one EMI after sending a mail to HDFC bank that send me NOC for my Credit card which settled 6 months back then only I will pay this particular EMI . But HDFC bank has reported this default EMI to CIBIL . Later I preclosed the Personal loan too the same was not even updated by Stuppid, worst bank HDFC to CIBIL, when i approached for a Credit card I came to know HDFC reported to CIBIL database in negative feedback . Like wise HDFC bank, we need to be careful in banking best avoid the Non- Customer oriented bank . Also CIBIL is like a Goverment employee organisation and working Sluggish in latest credit criteria about an individual .

I conclude CIBIL not a relevant firm for INDIA .

bc joshi

from New Delhi, Delhi

I donot have any dispute with any banks. But on my pan its showing 21000/- something.But who is that who londge dispute against me. My mail is [protected]@yahoo.com

lionmani

from Salem, Tamil Nadu

I Have applied for housing loan recently and as a mandatory requirement i had bought for a cibil report, the cibil report is correct but differs on one area. i had taken a loan on 27/12/2006 for Rs 3, 50, 000 and the same was closed by me on 24/04/2012 with nil balance in cibil at has been report that, on the same day 27/12/2006for a loan value Rs 3, 50, 000 i have signed as a guarantor this has been report and certified on 20/06/2007, to my knowledge have not signed as a guarantor, kindly give me details of the accounts for which i have signed as a guarantor kindly let me know the status as on date, i do hold a letter from Punjab national bank avianshi road TIRUPUR branch which tells i have not signed as a guarantor at their bank the above detail for me to go ahead with my loan processing.

stash911

I am totally surprised about institution like CiBIL managing credit report of huge population of india.Thes CIBIL itself needs managing, i have tried 14 times in two days to get one credit report, everytime at the end of the form it redirects to the page saying it unsucessful.Then i called there consultant who have no idea what they are talking and they are advising me to continue applying online.I swear these is one of the most disgusted service I have ever come across.