[Resolved]  CIBIL — Discrepancies in CIBIL Report

Address:

Howrah, West Bengal

Dear sir,

almost a year back I have lodged a complain in CIBIL towards various discrepancies in my CIBIL report. I made repeted reminder to them since then but without any solution for this problem. I am helpless and requesting your mediation to resolve the issue.

I would be ever thankful if I get a solution to this problem through you.

The complain letter what I send to CIBIL dept year ago is enclosed for your perusal and consideration.

Rgds

Rajib Banerjee


************************************detail Letter to CIBIL*****************************************************


Ref: RB/CIBIL/05/10 Through : Mail/Courier

Date : March 22, 2010

The Managing Director,
Credit Information Bureau of India Ltd.,
Hochst House,
6th Floor
193, Back Bay Reclaimnation,
Nariman Point
Mumbai -400021

Dear Sir,

Re: My CIBIL report having control number[protected]
Ref: 1. My email dated 21.02.2010
2. My email dated 23.02.2010
3. Your Response no 149221 dated 25.02.2010
4. My email dated 26.02.2010
5. Your Response no 149221 dated 26.02.2010

As informed to you vide my earlier correspondences, mentioned above, that there is some serious discrepancies in my CIBIL report having control number mentioned in the subject line.

As you can see that I am corresponding with you for more than a month now but no development is evident from your end in this regard. I think you can understand that the matter is now deep concern for me as it is not only harming my financial reputation but my social reputation too.

Considering this I would like to request you to look into the matter very urgently and ratify the discrepancies in the above report at the earliest. However for your ready reference I am once again giving you the detail so that you can take quick action to eradicate the discrepancies in my above report.

In the middle of February I approached SBI for a Housing Loan, They denied they same because of my poor CIBIL rating. From the hard copy of the CIBIL report collected from the SBI Authority, I understand that there are lots of discrepancies in it. The matter immediately brought to your notice vide my above mentioned mails.

Understanding from your customer care service that to identify the name of member bank I need to apply for my CIBIL report through proper channel, I did the same and get my CIBIL report on 18.03.2010.
Based on the same I am giving below the list for which data are not matching with mine.

Sl No Data Mentioned in your report My Observation
1 Tax identification no. mentioned as ADMPB 6074D====== If it is PAN no, it does not belongs to me
2 Date of Birth Mentioned as 12.02.1973 ============== it is not My date of Birth
3 Correspondences telephone no mentioned as 23370788/ 25482087 ====This are not my Phone numbers
4 Address mentioned as Geological suviy of India NA27 chorori Lane, Kolkata==This is never my communication address
5 Address mentioned as Bhubigan Bhaban, Karunamoyee, Salt Lake, west Bengal 700091 ====This is never my communication address
6 Account No XXXX2400 under CITI Bank=== This account does not belongs to me
7 Account No XXXX6806 under CITI Financial==This account does not belongs to me
8 Account No XXXX2010 under SCB====== This account does not belongs to me
9 Housing Loan account no XXXX1011 in Union Bank of India====This account does not belongs to me
10 Account No XXXX7288 under ICICI====This account does not belongs to me
11 Account No XXXX0183 under SBI Card===This account does not belongs to me


It is also observed that when first time I got the CIBIL report from SBI, my Voter card number was not mentioned there in the CIBIL report but when you have send me the report, you have included the same, as I have enclosed Xerox copy of my Voter ID card as a identity proof while requesting for CIBIL report from you.

So it appears that basic information for data base is under your control only not to your member bank. So my earnest request to you to correct the basic information of my data base, I believe other financial discrepancies will disappear automatically.

However I once again want to request you to look into the whole aspect Urgently and give solution at the earliest.

Thanking You

(Rajib Banerjee)
6/4 Hari Nath Naya Ratna Lane,
PO- Shibpur, Dist – Howrah
West Bengal – 711102
Mob – [protected]
Email – [protected]@rediffmail.com

Cc: Customer Care Officer, SBI Cards Sir, Please give your feed back for point no 11 mentioned above.
cc Union bank Through union Bank web Site, Grievance addressal page
Cc: Customer Care Officer, SCB Through web Site.
Sir, Please give your feed back for point no 08 mentioned above.
Cc: Shri. C. V. George
C/o Reserve Bank of India
15, Nethaji Subhas Road, Kolkata-700 001
Tel.No.[protected]/[protected]
Fax No.[protected] For Information
Cc: Citibank N.A.,
Mail Room
No.2, Club House Road
Chennai - 600 002
Sir, Please give your feed back for point no 06 & 07 mentioned above.
Cc: ICICI Bank, Through Web Site.