Phoenix Arc — PHOENIX ARC credit card

I never had this credit card "PHOENIX ARC", but its still appearing in my CIBIL report affecting my score adversely.
This must be taken of[censored]nless CIBIL people are hand in glove with such fraudsters.
Why there is no action on such fake guys who are doing all such propaganda of appearing in anybody's financial transaction history and why is CIBIL interfaces so weak not to be able to identify, real from fake transactions and such companies... PHOENIX ARC kind of people deserve a permanent place in INdian JAIlLS with their fake business dissolved !
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