[Resolved]  CIBIL — Faulty response received Post 35 days of dispute of records( I am not a defaulter)

I have queried and disputed a few records on my CIBIL report on 20th March 2015, to which I had followed up on 15th April for a response. The customer service agent ( Mr Nikhil) then confirm me that the resolution takes around 30 days and I shall get a response by 20th April. Upon not hearing anything from CIBIL I again contacted back on 24th April to the CSR desk. When I escalated it again they confirmed that they have not received any response from the Banks and it would still take a few more days. This was done around 12 noon on 24th April 2015 and to my surprise I receive a response around 2:30pm the same day. The response says all the records published by CIBIL is correct and they would need further information to investigate. I would like to highlight here that I am not a defaulter but the CIBIL reports shows a few incorrect enquiries which I have never made which is hampering my score and I have full right to challenge that which I have done appropriately. Upton checking again with My Nikhil from CIBIL that how come we get the response from all banks from 12 to 2:30 which is not more than 2.5 hours who have not been responding from 35 days. He then confirmed that this was been replied based on the past records and which was already at CIBIL's disposal. I am challenging the records based on what is been published, how can CIBIL reply me after 35 days based on the same records. Bottom line there is no enquiry done with the Banks or cross checking of the records and have just responded for the sake of responding. CIBIL customer desk first confirms that they are awaiting confirmation from the Banks on the records and then confirms the reply is based on past records. This clearly that the whole process in CIBIL is faulty and is targeted to harass decent Citizens which has created a lot of mental stress for myself and my family.CIBIL representative again contacted me by 5:30 in the evening on 24th April to ask for more time and admitting their mess around the whole Issue. They are still not willing to provide a written apologies to the same. I would request you to ensure that CIBIL should work as a neutral organisation and has equal responsibilities towards the Citizens of India as the records published by them is not been consulted before with the Individuals and directly been uploaded on the site with the assumption that the Banks is always right. I am really against the whole process followed by CIBIL and its time that they intervene and revamp/ redesign the whole process. Regards, Nilesh