Zest Money — Zestmoney False reports on cibil

SUB: WRONG INFORMATION REPORTED AGAIN IN CREDIT REPORTS – CIBIL

REF: YOUR REPORTS TO CIBIL – ZEST MONEY


I never took a loan directly from You but you are reported, I have an account with you. I used Zest Money and paid back to them the loan repayment well in advance and I got NOC from You whatever loan I took. After some time, you started reporting to Credit reports, that there were some outstanding and reported wrongly, even though you provided NOC for all Loans you given through Zest Money.


I have the Zest Money statement for the Loan amount and closure.

I have their statement and the new account you reported now to CIBIL DXCMB[protected]

Sanctioned Amount: 97, 445

Current Balance: 21, 398

Cash Limit --

Amount Overdue: 0

Rate of Interest: 24.00

Repayment Tenure: 3

EMI Amount: 33, 617

Payment Frequency: Monthly

Actual Payment Amount

-

Date Opened / Disbursed

[protected]

Date Closed

Date of Last Payment

[protected]

I am never got or used this loan, or Zest Money has never given this much amount as a loan. In reported time my credit limit was around 30, 000/- Even after one year my maximum credit limit was 80, 000/-

I never took any loan bigger than zest money. I never got any email or correspondence from Zest Money or you related to the new reporting to CIBIL.

It is hurting and I am not done with any default payment.

After two years of the Loan closure and reporting credit reports and rectifying errors you are reporting something again and again.

I send many communications and begged you to remove the false information from all credit reports, it's hurting my credit score. Now due to the false reports, I lost nearly 85 Points.


Earlier with the same Account Number, you reported the loan amount is lesser. Now you are showing the loan you provided higher.

As per the Loan account date, the Credit Limit for me from Zest money was less than 30, 000 but you reported to CIBIL that the Loan amount was 97, 445 and monthly repayment amount was 33, 617 and the total outstanding was 21, 398

I collected NOC for all Loan accounts NOC provided by you is correct and how a closed account and certified again you reported with a higher amount and showing its active and outstanding amount is there.

I am fed up with this type of false or wrong information in credit reports and it is hurting because I never failed to pay back the loan I took and I closed the account well before the due date or never used the 3-month EMI option and paid all in single shorts.

You reported many accounts wrongly and one of your staff supported and helped to come out from all issues. Now Zest Money asked you to report again a false complaint against me for non-payment or outstanding

I paid all online and zest money acknowledge the payment. I have their statement for every loan I took and closed. I took a loan to build my credit score, but now last two years I am struggling to stand even without any fault from my end.