CIBIL — Loan declined

On applying for a personnel loan, I was told by mnc bank that my name figure in CIBIL and there is a default of an amount in my name. In this reference there a few questions:-

1. Why the consumer is not informed of the listing in CIBIL
2. How can it be assumed that the banks or credit card companies reporting the default are right in making their claims when there are numerous cases of incorrect debits by credit card companies which they reverse using "settlement".
3. In case any listing is found in the CIBIL why it is not revealed to the individual, in my case the bank is not revealing the detail of the credit card against which the amount is shown as pending.

Kindly take necessary action in this regard.

Dear client,

Your Credit Information Bureau (Cibil) credit information report(CIR), other than your income, is the single most important tool used by a lender to evaluate your application for any loan or credit card application. Naturally, it's important that you understand yourCibil CIR and what it takes to maintain a credit history, so that it is viewed favourably by lenders.

We providing assistance on behalf of the client to get CIBIL report.

Please not we neither working on behalf of CIBIL nor any other government department.
We are Independent financial advisors.

Our serivices includes
Assisting for applying CIBIL reports
Helping for CIBIL report correctoion
Assisting getting loans from nationalised or private banks or NBFCs
Representing CIBIL issues and other matters to client's bank
Fighting for getting NOC or NO DUE CERTIFICATE from banks on behalf of client after settling account
Liasioning between Bank and Cleint to sort out the matter of credit cards or loans
or more information please visit at https://www.cibil.com

NOTE: CIBIL REPORT IS STRICTLY PRIVATE AND CONFIDENTIAL DOCUMENT NEVER DISCLOSE TO ANY ONE

We are not providing any free services but advising professionally and result oriented.

Office:

VERITAS THE TEAM
914, Sahajanand Shopping Centre
Opp. Swaminarayan Temple
Shahibaug Ahmedabad 380004

Ph:[protected]
Fax :[protected]
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Mail : veritastheteam.[protected]@gmail.com

still resolved and if it is cleared under CIBIL pls confirm