State Bank of India — CIBIL working against Consumer rights

Address:

North 24 Parganas, West Bengal

I closed all my cards in 2007 called up the customer service and cleared all balances out of that my SBI card still had some left over (12 rupees) which was not informed to me, this 12 rupees was made 10000.00 and then showed as written off, hence my CIBIL score was screwed and I came to know about it in 2012 when my home loan is rejected due to this, I've now cleared all dues (Full 10000) and my score has improved from 561 to 575 which is till pathetic, CIBIL is one sided thing and its the legal outlet of the Banking Mafias just Imagine my situation.
So what I've realized is there is no point settling your dues because even after that your score would not improve, rather find out some one in the CIBIL office and I am sure there is a scope for bribe to improve your score.