Credit Information Bureau India Limited [CIBIL] — Step - motherly attitude

Address:

Mumbai City, Maharashtra, 603102

Though CIBIL is doing policing in credit information but it is one sided only. Without giving a fair opportunity to a creditor to explain in his defense CIBIL will take unanimous decision and penalize a creditor by lowering his credit points. It seems this is only formed to see the interest of the merchant house. I feel the organization is running on merchant money as such it is natural to take their side. But my query is under what law and rule CIBIL operates and whether any government order exists towards its formation and function.
I possessed a SBI credit card which is not a part of SBI is doing illegal activities extracting forceful money from creditors in support of CIBIL. CIBIL depending on the SBI Credit Card only and has lowered my credit score and has defamed me such that I do not receive any other credit card or loan. Even if EMI exhausted SBI credit card will very cheaply show that credit amount still exists.
SBI credit card customer care contacted me and I have asked for details of pending amount but till date they have not furnished. I want CIBIL to ignore SBI credit card complaint and update my score.