[Resolved]  ICICI Bank — Personal Loan Rejected due to Human Error while updating information to the computer

Address:

Bangalore, Karnataka

Credit Facility Application No: 63271462 Service Reference Number: SR[protected] Application number :1744515 Complete name: Lokesh Kumar G.R. Date of Birth: 20th April 1985 Date of submission of documents: 11th August 2014 Communication address:Koramangala, Bangalore - 560095. On 11th August I have applied for a Personal Loan and thereafter I did not receive any information from ICICI team. After a week when I called the loan document collection person, he said that my loan was rejected as I have a bad CIBIL score of -1, and that I have defaulted both HDFC and SC bank previously as per their records. There is a major confusion here, the day my file was logged in, another file was logged in the name of Lokesh Devraj. My name is Lokesh Kumar G.R., where as Lokesh Devraj (another file / same day / similar name) is showing declared in CIBIL and they updated his CIBIL to my profile. Which is a human error. I got several verification calls asking if my name is Lokesh Devraj from ICICI verification team, they have got my profile confused with his as both the files were logged in the same day by the same document collection agent. It is exactly 1 month now as I had to wait for my CIBIL transunion score letter, which I just received today. I have checked my CIBIL score and it is "NH", a week ago I got a credit card from Axis bank and they said my CIBIL is good. While applying for loan, the ICICI bank customer service employee checked and said that my CIBIL is good to go and due to a confusion now, I am unable to procure a loan for my personal needs. I had to prove to you guys that I am not guilty and that somebody needs to take responsibility of the human error and do the necessary damage reversal at the earliest. Also that other guy, Lokesh Devraj is probably having a ball of a time with the loan he procured from you guys.