Credit Information Bureau India [CIBIL] Complaints & Reviews

Hi,

My cibil rating magically dropped from 820 in dec 2018 to 586 in july and this has been constant drop.

The payments are absolutely on time with most payments showing zero as the due.

Have made nearly 50 escalations 1st, 2nd, 3rd level i get a standard reply that they are working on it but no resolution.

Also i see ficitious enquiry for personal loan and when i rasie a dispute they just say contact the lending company.

Cibil is taking people for ransom and no way to resolve it.

Please look into the same. I heard we can write to rbi ombudsman but not able to find the right contact details against cibil.

Can i file an fir against cibil for mental harassment.

Dear sir mera Bob card hai jo Maine pement kisi karan nahi kr paya to mera cibil 581girakr kr diya gaya aur jab ab ham pement kr rahe hai to mera cibil badhna chahiye to aur Bob card dwara giraya ja raha hai 80000 me Mujhe 34000 hajar limit diya gaya tha jiske jo teen sal me 80000 jahar Bob card dwara bana diya gaya uske bad bhi Mai unko pement kr raha hun 32500 ka pement kr diya gaya hamare dwara civil badhana chahiye to giraya gaya

Hi team,
Good day.

Below are the information's which are incorrectly updated in the cibil please correct it. I am not able to apply loan from outside right now my wife is pregnant i need to apply loan for medical purpose please show me some mercy on me so that god will always bless you.

Bank name loan account number loan account type status
Axis bank ppr[protected] personal loan loan closed long back but still showing active in cibil report.
Hinduja leylandkabdbdtw02697 2 wheeler loan emi paid on time but in cibil it is showing as 4 emi missed.
Dmi finance dmi[protected] personal loan loan paid on time but in cibil it is showing as payment missed.

Sulochana devi
79/4 behind school, ward no.3
Rampura bass, dudhwa meetha
Churu, rajasthan
Pincode:331001

Date :07/07/2019

Cibil correction deparment
Transunion cibil limited
Indiabulls centre, tower 2a, 19th floor,
Senapati bapat marg, elphinatone road,
Mumbai : 400013

Dear mam/sir

I am writing to dispute the following information in my cibil report. I have mentioned below the items i dispute, in the copy of cibil report i recieved " attached with photo of cibil report [control no. :[protected]Recieved from pnb bank churu, rajasthan), pan card, aadhaar card.

At first spelling of name is written wrong i. E. Salochana devi (Incorrect) instead of sulochana devi (Correct),

Pan no. Dcwpd8421f (Incorrect} instead of engpd5935j (Correct),

Aadhaar no.[protected]Incorrect) instead of[protected]Correct),

Mobile no. These are not mine [protected], [protected] (Incorrect) instead mine are [protected], [protected] (Correct),

Address: my parmanent and residence address both are same as below ;

Parmanent/residence address : 79/4 behind school, rampura bass, dhudhwa meetha, churu, rajasthan postal 331001 (Correct),

Voter id : rj[protected] (Incorrect) instead mine are rj[protected] (Correct)

Except above address other 3 addressess mentioned below in cibil are incorrect & need to be deleted/altered that are
1) residence/current address : w o hariram verma 559 3 ward 9 near maicro towar patel nagar purani abadi sriganganagar, state-rajasthan (Residence code — ):postal :335001, date reported :[protected],
2) office/company address : sulochna & sons 37 ngc satipura hanumangarh hanumangarh, state-rajasthan (Residence code owned);postal :335512, date reported :[protected],
3) residence/current address : ward no.-03 37 ngc satipura hanuman garh hanumangarh;postal :335512, state-rajasthan (Reesidence code owned) date reported :31-2-17

Because i dont own a company such named and i have not taken a loan or given guarantee on someone's behalf as security.
However still 2 loans are showing in my cibil about them i have no idea,

So please mam/sir delete/alter the mis-reportings as per above details in my cibil report as soon as possible. I have not taken any loans before. I have no clue regarding the loans showing in my cibil.

Yours thankfully
Sulochana devi

Attatchments: 1) aadhaar photo
2) pan card photo
3) cibil report {control order no.[protected]} (Report date :[protected]
4) an application of applicant with signature considering that all the facts are true to best of my knowledge
5) bhamashah card:ykbdyoc
6) pnb bank passbook photo
New doc[protected].29.32_1. Jpg
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Sans serif
Send

New doc[protected].29.32_7. Jpg
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New doc[protected].29.32_8. Jpg
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New doc[protected].46.17_1. Jpg

I have objections to CIBIL Score methodology, which permits credit card companies to build fraudulent bills against customers and then blackmail them through recovery companies.
Barclays Credit card has ruined by CIBIL Score in 2009, which continues to diminish month by month.
Seems CIBIL is not looking into regular payments of say 20 Lakh per year from my account. And CIBIL is focused on just one small amount of 4070/- charged falsely by Barclays, .
Barclays Bank Credit card wrongly charged repeated late fees on my credit card in 2009. Bank charged late fees repeatedly for collection delays made by them.
After clearing all dues including late fee Rs 250/-, I informed Bank in 2009 that I stop using the card.
However Bank sent Rs 250/- bill next month, which was nothing else but "Late Fees". After clearing this late fees once again, I informed Bank once more that I have stopped using the card.
However, Bank sent Rs 250/- bill next month as "delay charges" on payment of delay-charges only. I requested them to cancel the delay fees. However Bank refused to cancel the delay charges.
Bank continued sending me bills adding 250/- every month, till the total came was 4070/-, which I am determined not to pay.

Barclays have sold the credit card defaults to other agency for recovery, after intentionally building false charges against its customers.

Dear Sir/Mam

I am Dinesh V Patel requiting to you Please remove remark for Cholamandalam investment and Finance company limited in my cibil report.
For your reference i am attached Bnak Letter & Payment receipt.
If any query please call me on my Mobile Number [protected] or email Id : [protected]@yahoo.com .

Thanks
Dinesh V Patel
[protected]

Dear executives,
I purchased my cibil reports in nov-2018 & jun-2019. Both are having different credit scores & credit info., & my name spelled with father name in it, wrong gender. Although in both have same pan & dob, 2 different cibil data is available in their data base. My name donot match with my pan name at least. This is resulting generating always errors in my cibil info., incase any credit agency checks for my eligibility. Also, both these reports have incomplete/ not updated credit info also.
Surprisingly, my credit report-2018 shows loan taken in dec2017, and credit report-2019 not showing info. After 2008, i. E., cibil database is not updated and can contain errors, & can generate any kind of credit info & any score, that leading to rejection.
Even after raised disputes for my name correction in their reports, these cibil officers have no right to change i. E, to match name with pan and gender with pan. What kind of dispute resolution is a big question??
Thanks

Dear Sir,

Attach here snap shot of my cibil report account details in which Mass Finance loan see in your report but i have not taken any loan from Mass finance so delete from my account.

I have never take loan from Mass Finance and i take loan from Bajaj Finserv many times so how it's possible to give me loan if i didn't pay this loan so humble request to erase from my report and update it.

Password : 09071980

Awaiting for your reply.

Best Regards,

Nailesh Soni

(M) [protected]

Sir my self sanjeev kumar from aligarh (202001) up. Sir in certainly i check my cibil then i found a lots of mistake in my cibil. So please sir correct my cibil as soon as possible.in the cibil there is lots o[censored]nknown loans i found in my cibil.
Thanking you.
Sanjeev kumar
Hno 704 shankar vihar colony, near brilliant public school quarsi aligarh up
Adhaar no[protected]
Pan no - awtpk0532e
Mob [protected]
[protected]

My name is tapasya jain, my credit score is too low. Have u ever checked what information credit card company is giving is true or no. Credit companies do not contact for months they implement charges on months then someone comes and do settlement and we pay the amount fixed by that credit card company still they spoil our cibil gives u wrong report and u just update that report and put a black dot on that person
See my latest complaint of kotak bank
Check it contact me yourself judge and then take action

Dear sir

My name is brijesh kumar varshney i have running od account "shri sai traders" with bob wazirganj, up rs of 68 lakh out of them 59 lakh odbtl and 9 lakh gold card (Tod). I am apply for limit enhancement but my commercial cibil report shows rank cmr 7 because of this rank proposal is not accepted by bank. Cibil report no w[protected]. I am enjoying rs 68 lakh limit but report is showing only 59 lakh that causes my report shows overdue but there is no overdue in any month. Please update my report

Shri Venice NATURALTHERAPY m not happy with sbi credit card payment service they send false bill without issuing me new credit card
i was not using credit card after i lost my credit card i inform for new credit card every time i got bill of penalties of late payment
how i can pay bill without credit card number cause always i requested to issue me new credit card as i lost my credit card u can never pay fraud bills of sbi so please check all ur bill of sbi credit card payment wr on right time so i m not a defaulter i hv paid all my bills till i had credit card with me if i hv closed credit card y i pay late penalties of credit card bill without issuing me new credi card number to pay bills v demanded sevral times to issue me new card so y should i pay penalties so my all payment wr paid except fraud penalties which wr not interested in cheating women mostly i hv my women ngo i will go to court too to prove i hv paid all my bills regularly its sbi mistake not to issue me new credit card y i pay late payment bills i[censored] dont issue new creditcard its ur fault please correct my payment of credit card bill closed inform credit card department after rechecked u hv not issuing me new credit card so how i pay without credcard number to pay bills

I m not happy with sbi credit card payment service they send false bill without issuing me new credit card
I was not using credit card after i lost my credit card i inform for new credit card every time i got bill of penalties of late payment
How i can pay bill without credit card number cause always i requested to issue me new credit card as i lost my credit card u can never pay fraud bills of sbi so please check all ur bill of sbi credit card payment wr on right time so i m not a defaulter i hv paid all my bills till i had credit card with me if i hv closed credit card y i pay late penalties of credit card bill without issuing me new credi card number to pay bills v demanded sevral times to issue me new card so y should i pay penalties so my all payment wr paid except fraud penalties which wr not interested in cheating women mostly i hv my women ngo i will go to court too to prove i hv paid all my bills regularly its sbi mistake not to issue me new credit card y i pay late payment bills i[censored] dont issue new creditcard its ur fault please correct my payment of credit card bill closed inform credit card department after rechecked u hv not issuing me new credit card so how i pay without credcard number to pay bills

I had applied for the citibank credit card. My application has been rejected vide on the grounds of negative credit history based on a credit information report from credit information bureau (India) limited ('cibil'). A copy of the credit information report with control number[protected] dated[protected] was attached to email. As per the report, my credit scoring was 751 and scoring factors included the following:

1. No presence of a revolving tradeline
2. Presence of severe delinquency in the past 6 months
3. Presence of a high number of enquiries

In the month of may'19, my cibil score was 803. How can the score reduce to 75, when there was no negative accounts or unpaid credit card bills (Within due date) in last 6 months?

Dear sir/madam
I have taken a credit card from hdfc bank in 2017 but this credit card not activated and i have not use it. Hdfc insurance dept. Have linked the insurance policy with this credit card and deduct the policy amount from credit card. I have informed to hdfc insurance dept. To close it immediately and they have close it in april -2017. As confirmed from hdfc insurance dept. They have credited the deducted amount in credit card but as per credit card dept. Amount not reflect in credit card.
When i have checked my cibil score 2 month ago (April-2019) amount rs. 5621 showing in my cibil score. I have informed to hdfc bank authority and customer care dept. But they are not giving positive response on it. I need to remove this amount from my cibil score so you are requested to please help on this issue.

Dear sir

Akhil saini
10:48 am (34 minutes ago)
To info

Dear sir

Kindly find detail as per required by your because somebody misuse my pan card. Loans & credit card loans are seeing in my cibil report but i never take any type of loans. Kindly check & remove false detail from my cibil report. Details are:

Member id - nb66304585
Reference no. 5287615
Control no is[protected]

Akhilesh kumar saini s/o ram kishore saini
R/o a-128 near santoshi mata mandir avas vikas colony jhansi-284001 (U. P)
Date of birth is 01/07/1984
Pan no. Ccwps8296q
Mob:[protected]

Dear Sir Madam

You l reported nagative in case of DMI Finance Pvt Ltd. I called many times for ECS and for that I filled forms already after that no ECS deducted from my bank account in which I maintain sufficient balance for my EMI, Representative of DMI Finance Pvt Ltd blame me " there is insufficient balance in your account so EMI is returned. "
I send Bank statement there is no return entry if EMI.

Sandip Gorecha
PAN BTYPG3303C
MO[protected]
EMAIL - [protected]@gmail.com

Dear sir/mam
The loan of professional not received me in past & present. I am applying in personal loan in HDFC but not give me loan . reason due amounts of Sarva HGB . This Personal loan amount is very important for me. Please quickly solve my problem heartly. I talk with the Consumer Helpline Number: +[protected] two times. You seggst me contact the home branch of Sarva HGB.
I am not receiv any loan by tha Sarva HGB in that past/parsent. So I am not visit any Sarva HGB bank and not know that Sarva HGB loan account where in the Citi.
Sir/Mam I
I visited in Sarva HGB home branch the account no. 7727JH00698336 but this account holder name is Govind s/o Sh. Jagdish and this loan account is closed by Govind.
My credit report in Experian is right

Please short out my problem timely
Thanks

Hi I am avinash contact number is [[protected]] my cibil inquiry number is[AZYPA3527H], I have multiple unauthorized inquiries on my report from odd institutions which I am not aware of, I have already dispute running with Cibil however the response I got from them is contact the respect financial institution, but my question is how should I reach them as they are not even traceable, the inquiries which are on my report are faul, there is no way to know who they are, I request you to delete all of the below inquiries who did unauthorized inquiries, as there no way for me to reach them.

SL NO Date Member Purpose Amount
1 18-Jun-17 BAJAJ FIN LTD Consumer Loan 35000
2 18-Mar-18 HDFC BANK Two-wheeler Loan 500000
3 30-Jul-18 ICICI BANK Credit Card 10000
4 03-Oct-18 HDFC BANK Credit Card 1000
5 10-Apr-19 FICCL Personal Loan 50000
6 06-Aug-18 SICREVACAP Personal Loan 15000

Request Letter
11.06.2019
From
N.Nirmal kumar
No 1/126, pillaiyar koil street,
Virupatchipuram,
Vellore – 632002
Email : nirmal [protected]@yahoo.com
PAN : ANZPK2766K
DOB :[protected]
Aadhar No :[protected]

To

Cibil

Sir/madam,

I taken car loan in Indian Bank on[protected] A/c. No : [protected] with sanctioning of Rs 6, 90, 000 /-
And closed the account on 11.7.2018.

In my credit report it showing two loan of Rs. 6, 90, 000 and the balance of Rs. 78, 062 and Rs.6, 48, 014.

1.Indian Bank, 1. A/c.No : [protected]
Virupatchipuram Branch opened on[protected]
Vellore sanctioned Amount Rs.6, 90, 000
Current Balance : Rs.78, 062

2.Indian Bank, 1. A/c.No : [protected]
Virupatchipuram Branch opened on[protected]
Vellore sanctioned Amount Rs.6, 90, 000
This loan was not availed by me

One more SBI personel loan A/c.No : [protected] for Rs. 40, 000/- which I did not avail is also showing in cibil report

3.SBI Personel loan A/c.No. [protected]
Rs. 40, 000

I kindly request you to remove the account details in my credit report. I here with enclosed the NO DUE certificate from the Indian Bank.

Your faithfully
N.Nirmal kumar