[Resolved]  HSBC And ICICI Bank And Cbil — credit card information from 'CIBIL' list

I recently applied for a personal loan from State bank of indore, Gumasta Nagar Branch and the bank rejected my application. For this case I have spoken to SBI & asked the reason, they replied as “you must be knowing it. We can’t tell you any thing you know it better.” After my repeated request to them for Giving me the proper reason for rejection they replied saying that ‘’we are not in a position to give you the same.
After repeated request the reason given to me was that the CIBIL report indicated that there was an outstanding amount of Rs.17102 approx on a credit card (Oct 2004 - Feb 2007) which was written off in July 2009.

1. The report furnished by CIBIL does not have details of the credit card nor the bank issuing the credit card.

2. I never used a credit card in that period. In fact, state Bank of India has issued me Golden Credit Card after that period and my repayment history is immaculate.

Trust me I am going through a mental trauma as I have landed up in position where I have no clue about me being a defaulter in any of the banks.

If CIBIL is not willing to give me further clarifications on this outstanding amount, I am ready to drag them to court.

For your kind information please find below my personal details, if required


Name : himanshu gangarde
Pan No. : AHMPG1902C