HDFC Bank — Incorrect information reflecting in my CIBIL report | |||
My CIBIL report is showing gold loans and home loans which I have never taken. My PAN number is BIUPG4439C which was issued to me in April 2013. There are loans which are from 2004 to 2015 which are reflecting in my CIBIL report. When I contacted CIBIL for the correction in report, they say that the credit institution (HDFC in this case) has said that the details are correct. I came to know from Income tax department that the person who has taken these loans has the same name and date of birth as mine but has a different PAN card number (AGAPG6534H, AGBPG654H). This person has a different residential address and we 2 are different individuals. Still the bank keeps on saying that the loan details mentioned in my CIBIL are correct. Because of this problem, my credit score has gone very low and no bank is willing to give me a loan. This is causing me a mental harassment. Was this information helpful? | |||
 3 Comments | |||
Comments
I have been hearing the same bogus reply from CIBIL.
I have already raised a dispute several times and CIBIL keeps on saying that everything is correct. I rally doubt whether all the details are being verified. It is quite possible that 2 people have same personal details and a different PAN card number.
I have a solid evidence that CIBIL has merged the report of 2 different people having same name but different PAN cards.
I have my own cibil report dated 1st Nov 2015(PAN-BIUPG4439C) and a copy of report for PAN AGAPG6534H.
Both the reports are word by word same. How can this be possible? CIBIL has just merged the details without verifying to whom the PAN belongs to.
I have already raised a dispute several times and CIBIL keeps on saying that everything is correct. I rally doubt whether all the details are being verified. It is quite possible that 2 people have same personal details and a different PAN card number.
I have a solid evidence that CIBIL has merged the report of 2 different people having same name but different PAN cards.
I have my own cibil report dated 1st Nov 2015(PAN-BIUPG4439C) and a copy of report for PAN AGAPG6534H.
Both the reports are word by word same. How can this be possible? CIBIL has just merged the details without verifying to whom the PAN belongs to.
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CIBIL cannot make any change directly to your Credit Report but we can help you raise the dispute with the credit institution. Only the change authorized and provided by them can be updated in your credit report. To report discrepancies in your credit report, fill the requisite information at CIBIL’s Dispute Resolution webpage: http://bit.ly/1xsT90b.
Regards,
CIBIL Consumer Services