Standard Chartered Bank Credit Cards — Name given to CIBIL for no fault of mine

I hold this credit card from 7 years but stopped using it from 2 years. Last year, without my authorisation the Bank upgraded my card to a Gold Card which required annual fee of Rs 2000. Post that upon non payment, put my name on CIBIL defaulters list. I have received atleast 100 follow up calls and all my requests as to the details for the outstanding were not heeded until recently when I insisted upon the recovery dept person to investigate when he found that actually there were no purchases made by me.