Credit Information Bureau India [CIBIL] Complaints & Reviews

To whoever it concerns,

I am writing to concerned higher authority regarding the inconvenience caused by cibil to me over last two months. Two months ago I faced a dispute in my CIBIL report.

I first sent my online dispute form regarding my dispute on 3-May-2017. I received a mail stating "We shall take up the matter with the relevant Credit Institution and notify you of our findings." on may 4. Its service request number was 41606919.

I had applied for a free report which I received on 9th May 2017. That day I again emailed and got a reply asking for certain details on 10th may. I replied with everything I was asked for. Its service request number was 5255420.

After that, I waited patiently. Meanwhile I had sent an email to know the status of the dispute resolution but I got no satisfactory reply, instead, I was told to wait till 30 days.

I called to your representatives in the first week of June. I was told that I provided insufficient information so my request wasn't processed. All this time when I was waiting for the dispute to be resolved, none of your members stated me that the information I provided was insufficient. Instead, I was kept on being emailed to wait for 30 days.

On June 5th, 2017, I sent another email to raise a dispute and it was a detailed one. To its reply, I received an email on 16 June 2017 stating that my dispute has been resolved and I will receive updated report via email shortly. SR number 5257758.

It has been 19 days since. I have made ten calls to your team. First I was told to wait for 7 business days. When I didn't receive I called again and was told to wait for another 2 days. From that day all your representatives tell me to wait two days. I have been calling since.

Two of your representative also filed a higher priority request which was not processed. It's SR number is 5319531.

Today a new request has been filed under SR number 5418916.

I want my report asap. All your representatives do is apologize. But those apologies don't cut because my problems are increasing day after day. First, your people wasted my whole month for the dispute. Now another month is being wasted for a report!

I am on a deadline for my daughter's education loan. I am enduring stress and difficulties for a blunder that I didn't make and CIBIL is not helping me in this situation either!

It's my humble request to please get me out of my situation and give me the satisfying trustworthy answer to my problem instead of giving me false promises of two business days.

Sincerely disappointed and tired of going around in circles,
Vimal Thakorbhai Patel

Sir i am working in indian coast guard.Due to domestic requirement i was applied for personal loan in ICICI Bank. But the loan rejected due low cibil score. i was also taken personal loan from SBI bank.There is no dues in SBI personal loan. I also have ICICI credit card. But there is also no dues till now. Therefore it is requested that reconsider and solve my above problem

My cibil scores says NH which means NO ACTIVITY. I have had active loans and credit cards which are being repaid regularly. All the credit institutions have confirmed that they have shared my details with the CIBIL. My passport had expired a year back and I got a new one so I had updated the passport number and the DOB was incorrect in their records to I corrected that also along with submission of all documents scan. Now their software is considering me to be two different people which is creating problems. I have written to them numerous times and have spoken to numerous people on phone. They just disconnect my calls and do not solve the issue. I am trying to get a home loan and have problems because of this cibil issue. I will be grateful if someone can pls help me.

Dear team,

We had telephonic conversation with you and you have directed us to
Contact mahindra finance regarding additional loan on pan card
Djfps3524c. We have confirmed there that pan is in the name of
Bijender s/o hawa singh and not relevant to this pancard.

You are requested to delete the name of hawa singh s/o jhandu ram as
Per cibil order no.[protected] which is present with pan card
Djfps3524c of hawa singh s/o jogi ram.

So, that he can go for fresh loan from pnb.

Thanks & regards

Hawa singh
[protected]

Dear sir,

Below of customer mr. Rajveer singh jadaun his apply for hl and his cibil showing 1 auto loan (Personal) of amount rs 700000. Appliacnt not confirm for this loan and not having any thises status. So please confirm this lona which bank running and whose paying emi not paid customer.
Its urgent process please confirm running loan in joint.

Have raised the following disputes to cibil
1) cds[protected], cds[protected] (Control no.[protected])- have raised the dispute for update my correct email, contact detail and my name against my pan no.. Cibil has not resolved the same yet. Customer care said they can't update details without credit institution confirmation and at the same time said that myself have to reach the credit institution for correction of these details. Please note that these details are not mine and of any third party and i am not aware to which credit institution i have to refer this case. Not even cibil is sending any intimation email to the respective credit institution for checking the correctness of the details updated against my cibil report. This is creating unnecessary problem for me as due to incorrect reporting in my cibil report my loans are getting stuck and my life is getting pathetic. Also i tried to escalate this within cibil but there is not contact person for this. Have tried cibil website for escalating the case but it is asking for service request number but when i tried to generate serivce number online by raising complaint then website is not working. Cibil website is not very user friendly and customer care do not have resolution for any problem.
2) cds[protected] (Control no - [protected])- this dispute was raised to update my correct adhaar and removal of third party sbi loan account.
Please note that sbi loan account was removed but adhaar was not updated. Even after removal of sbi account from my report cibil is keep sending the intimation to sbi for removal of account and there is no intimation was sending for adhaar updation which is still reflecting in my report. I don't know if cibil is blindly working without looking into the exact dispute.
Every loan i am applying for is keep on getting rejecting because of cibil unwillingness and udpate correct detail against my report. I am actually very much frustrated because i don't know to whom i have to contact for correction of my cibil report details.

Dear sir
As per our cibil report control no [protected] i am raising three type of dispute,
1. Address issue - address no 2 house no -284/11 bhai randir singh ngr nr ra j karyana store punjab
2, 284/11, ash bagh railway sidding near flour mill lucknow uttarpradesh 226004
3. Ahluwalia contracts (I) ltd e/6 chandra gupta marg chanakyapuri delhi -110021

All above address is wrong and not in my knowledge...

Firstly i doubt cibil is government body. According to cibil my score is not good. But the fact is that i have never done anything unjustified to the banks. I paid all my loans back properly to the banks like sbi, pnb etc. Icici bank is the most fraudulent and they issued me a credit card without asking then they levied so many charges like late fees penalty etc. They started paying my telephone bills without my permission. All this mess and then they tried threatening me. Same with a car loan. I can't write all details here. But they really harassed me. I think cibil is also a partner in their unethical deeds. Why my credit score is not increased when i paid all my loans properly and in time to government bank? And the most surprising part is why government banks also dependent on cibil! Government of india must take some action against cibil.

Dear sir,
I have raised complain by id dispute id is cds[protected] on 26.04.2017 regarding wrongly mentioned loan a/c in my cibil report, till date i have not received confirmation for correction in lender report only just receiving mail to reminder send to lender.

Cibil says to solve issue with in 30 days but it has gone more that 60 days and problem is same.

Kindly do needful in the captioned matter at earliest.
Regards
Avtar singh dangi

Hi,
My name is Agumamidi Santhosh Reddy. I have received the cibil report from the citi bank and found my cibil score as 694 because of which my credit card request has been rejected as it is too low. I found scoring factors stating "Too few satisfactory bankcard accounts, No presence of revolving trade line, Presence of severe delinquency in the past 6 months", and 7 inquiries in total don't no who inquired it all about. Apart from this i did not find any other disputes stating in it. Why my cibil score is too low ? I have ICICI and SBI credit cards with which i have maintained a good relationship from past 2.5 years. Paid all the bills & EMI's in time.But dunno why my score is still low ? Please correct my score and do not provide my score details to any one without my approval. Also please provide the additional details about my cibil score being low. I can send my cibil reports to you if you can provide your contact details .

Thanks & Regards
Santosh Reddy A

Hi team,

I observed that transunion cibil report is not updated credit card information since oct 2017 for my card no ending 0407. I replaced 0407 card due to expiry with 1607 in 2015. But still your database is not updated outstanding amount. It is showing old outstanding amount since oct 2015. Because, of this my cibil score went down.

If i go check experian cibil report my score is 732 but in transunion cibil report is 516. So many information is not updated in transunion cibil report compare to experian cibil report.

The information is shared transunion and experian from the same team from all credit institutions. Even after transunion cibil report contains huge errors.

I believe transunion cibil need to correct or improve their process. Already, people know their issues across world not only in india.

If this becomes commercial then transunion guys won't survive for long time with real facts and figures from the consumers. There will ending for your business soon in india and every where.

Frustrated transunion cibil consumer
Yogesh k b
Pan no: aogpb5855c
@ cibil team: take a contact number from your database & contact me anytime. I will answer your queries.

The cibil does not reflect any credit transaction i did before 6 months and the score shows as na. I have a credit transaction by credit card, housing loan, vehicle loan and personal loan from the year 2008 till date which is not defaulted once. When my credit score was checked thru experian it showed me a score of 850 and the report gave the list of details. But cibil do not show anything and they are not bothered to correct even after raising written complaints.in fact my personal details entered in cibil is also wrong. Paid rs 1250 on june 14 2017 to get the report from cibil and did not receive any report till date.
Sad to see that all my loans application was rejected from banks due to this inappropriate information from cibil

I am wondering why do even bank rely on such irrelevant and irresponsible source of information to sanction loans.

I request cibil to take corrective action on my records in cibil and resolve the issue asap.

My details given below -
Name - sajena begum akbar
Dob - 23/12/1977
Pan number - amspa4833b

Regards
Sajena

Sir/madam
I took one personal loan from bajaj finserv
And loan account number is 466pmt27989312.
I cancelled the loan and lender did not give noc.
They said that we don't provide noc for cancelled loan.
Now i checked my cibil and found the amount of 16374/- against the said loan account number.
Bajaj finserv has written me that they have suppressed my loan account and now this is not showing in your cibil report also.
Now problem is being faced by me that once i am applying for loan from state bank of india they are getting cancelled loan account number and amount of 16374/- in repayment history of credit track record in credit report.
Please update my credit report with third party like crif high mark and other credit report providers. Please tell the other credit report providers to varify and validate my credit report.

All credit report providers takes report from cibil please instrust them to update my credit report as per your record.

I stood as join applicant for one car loan, it was closed subsequently. But the account balance is reflecting in cibil report. It is affcting my cibil score. Kindly rectify it.

Name: sabarinathan s
Date of birth : 07.05.1975
Pan no: asdps6020p
Voter id: tn/21/108/0276
Uid:[protected]
Mobil no: [protected]
Mail id: sabari. [protected]@gmail.com

Respected sir,
I smt. Shimla singh pan no edtps3623h
Address is e 356 delta 1 greater noida (Up)
Pin-201310.
Five month ago my civil score was 769.
But current month my civil score is showing
694 and experian (Bank bazaar) is showing 833. So please check & update because
From last year no cheque bounce no late payment any emi timely pay always.

Hi team,

This is with refrance to my hdfc creadit card no [protected].

I have settle and paid all the dues of this cards on 12.02.2009.

But this was niot informed to cibile and my cibile report shows comments " suit filled willfulldefault, written off.

Requset you to please support.

Attached relevent documents.

Regards
Abhijit deolankar

[protected]

I am lodging a complaint against cibil. As per norms, i was charged rs 550 for getting my cibil report, however the password which cibil has provided is unable to open the report.
Despite multiple calls to their customer care, as well as writing to their helpline email, there is no response as well as there is no resolution from their end. Thus seeking support on same so that i am able to get a correct password report

I have availed the following loans only 1. A/c no. [protected] amt 64000,
2. [protected] amt 174172, are relating to me. All other loans being reported in cibil should be removed as they are related to me. (On an equiry we have confirm out o[censored]nrelated loans some loans have been sanctioned by sbi hadli branch malavalli tq, mandya dst, karnataka to a diffrent customer but not to me)

Sir,
Following four illegal and fraud transactions have been made on my credit card no xxxx xxxx xxxx 8394 as informed to me through sms by ad-sbicrd on 09 june 2017 forenoon.[exact language being quoted ] :-
1. Usd 138.60 was spent on your sbi card no. Ending xx8394 at forever
21.com on 9 jun 17. Remaining credit limit:rs.317, 739.44.
2. Usd 1.00 was spent on your sbi cardno. Ending xx8394 at google
*services on 9 jun 17. Remaining credit limit:rs.317, 675.02.
3. Usd 98 was spent on your sbi card no. Xx8394 at saks direct#689
On 9 jun 17. Remaining credit limit:.311, 361.52.
4. Usd 446.37 was spent on your sbi card no. Ending xx8394 at bjs
Wholesale club on 9jun 17. Remaining credit limit rs.282, 604.83.
5. Usd 651.07 was on your sbi card no. Ending 8394 at at&t k006 9968
Estor on 9 jun 17. Remaining credit limit: rs. 240, 660.66.
2. After reading these massages i immidiately contacted customer care, who confirmed about the above mentioned fraud payments. On my quary the attendant told me that approval of above mentioned 2 txn is yet to be done, which i told them to decline.
3. Thereafter got the card blocked.
4. You are requested to make efforts to refund the above mentioned fraud payments amounts into my account.
Thanking you.
Yours sincerely
Ds sandhu
Email: [protected]@gmail.com

Dear sir, my name is sangeeta devi. Member id hf63131209 memebr refrence no is 28471929. Sir i have a property as a house adress b32 indraprasth estate phase 1. I have purchased this property at aug 2015 and i got a house loan from lic housing loan at the date of 09/06/2015 amount of 136000 and after that i found that my cibil has showed that there is a one more loan at my property an amount of 741632.00 rs. Which is not taken by me. Either i haven't taken any other loan aginest this property.
So dear sir this is a requested to you that the loan amount of 741632.00 is not mine it's by mistake of cibil due top name reflection. Please remove this amount of laon from my cibil member id:- hf63131209.
Clear my cibil status i have only one single loan on my property amount of 136000.
Please remove that loan amount 741632.00

Thanking you

Your consumer

Name:- sangeeta devi w/0 vinay kuamr yadav
Adhar no.[protected]
Mob no:- [protected]
Address:- b32 indraprasth estate phase roorkee road, meerut.