Credit Information Bureau India [CIBIL] Complaints & Reviews

These company is cheating people by taking the money for providing credit report but never furnish the same.

In my case I made the request to CIBIL for sending me the credit score report alongwith online payment of Rs 470 on 20th December'12 but have till date (26th February'13) not receive any report from them. moreover we can never reach them over phone as phone number provided on the website is automatic response system which never transfer the call to the operator.

Pl be careful from such FRAUD company.

What a crap organization it is, seriously. They have reported someone else's credit card default in my report, due to which I had to go through a lot of pain, loan application denials and very much of a loss by taking loans elsewhere with higher interest rates.

The details are provided here, with email exchanges between CIBIL and I.

http://blog.thitherwards.com/cibil/

Please go through this and share it with all public, however

I am applying for home loan and my home loan application was submitted 2 days back only. Week back I had requested for my CIBIL score which has come yesterday and I was shocked after looking at my score of 642.

There are 3 discrepancies into my CIBIL report.

1) I had never received the SBI Card which is mentioned in report. How come this card is appearing into my report and because of this card some amount is shown as overdue payment in report and my score would have gone low.


2) There is another card CARD 1 from ICICI for which opening date is incorrect and there is DPD(Days Past Due) of 180 figure is mentioned around March,2011 but before that card was expired so I wonder how come this amount/number is mentioned.


3) I had another ICICI card which was issued to me in July, 2007 but this card is not captured in report.


I have applied for the home loan and because of these discrepancies and low credit score my loan application may get rejected. I request you to please help me in resolving these discrepancies.

CIBIL report number which is sent to me has Control No.[protected] for further inquiry with CIBIL.

Thanks
Rajesh

Dear sir / medam

kindky request you to clear my cibil report becoze i can't get loans from finance & banks, or send me quarry of overdues of me.

This is regarding blunder error in CIBIL report.

I have received my CIBIL report generated on 29-Jan-13 and found there are lots of serious discrepancies in my CIBIL report under followings field:

1. Consumer Name is wrong, whereas PAN is mentioned of myself.

2. Two Addresses are completely wrong, whereas I have never visited that place as well as there is no more of my on that places.

3. Driving license number is completely wrong.

4. Due balance of Rs. more then INR125k a bank credit card wrongly taged with my CIBIL report, whereas I have never applied any credit card of that bank in my life.

There are 50% informations or data is related with me rest 50 % are not pratain to me as well as does not match with my data.

I am trying to call CIBIL mumbai office but no bodey is responding. I have also mail to CIBIL but no bodey has respond till now.

I am in very trouble. How CBIL can make this type of blunder error, whereas every bank/ financial institutaion as well as individual trust on CIBIL report.

Plesae help me out else I will take help of media.

Regard,
Ravi Shankar
+[protected]
2.



All the above discrepancies are adverse/ negative impacting on my CIBIL rating. As you are aware that in India every financial organization or bankers follow and consider CIBIL reports/ inputs to check the credit rating of any individual or an organization in India. Enclosed my CIBIL report for your rady referance.

I am very much surprised how it has happned. How can CIBIL make such type of blunder error.

I am requesting you to plesae reply me on top priority without any delay.

Thanks & Regards,
Ravi Shankar
+[protected]

Hi There,

It's regarding the wrong information is updated i CIBIL report. In November 2012 I had applied for a housing loan with Axis bank but same has been declined due to my age were not matching with there criteria. After that I applied housing loan with DHFL there also my apllication got declined. When I applied for Personel loan in Jan 2013 that time HDFC PL loan executive told me that CIBIL report is reflecting that there is a Hpe loan running on my name. I am little confuse about where to got as I tried to send a query on CIBIL website but I couldn't got any reply.

Please help me .

Thanks & Regards,
Yuvraj Bhoite
[protected]

I am Abhishek Kumar, I tried to obtain my CIBIL score card but both the time my authentication has failed.
I paid the amount Rs 470 for both the transactions.

Below are the transaction ids:
1. 56306080 transaction date 8/11/2012
2. 56369945 transaction date 9/11/2012

Then I uploaded my documents for authentication for Tran-id 56369945.

I called CIBIL customer care and told about my problem in detail. They asked me to send a mail to [protected]@cibil.com.
I send the email with all the details, then after few days I got the reply the my refund will be credited within 5 working days I received this mail on Dec 15, 2012 at 9:57 AM.

And today Is 10 of Jan 2013. I have not yet received the refund.
Also I want to tell you that what ever report I have received that was not correct it was a mixture of some data that do not belongs to me.
CIBIL do not maintain correct database so I feel they are simply snatching our hard earned money by providing wrong information to banks so that we have to buy our CIBIL score and pay them 470 RS. It just waste.

Thanks and regards
Abhishek

Dear sir,

My self Prashant kumar, s/o sri. v saw, address- e 514 ashok gali jagjit nagar delhi.

This very regret experience that recent i applied for home loan and while checking civil record i seen wrong information and record in my cibil report.
There are auto loan and wrong credit card record is mention there in fact these records are wrong according to me.

Even my date of birth is wrong mention in my cibil record. My original date of birth is 30-o4-1983(same mention in my pan card also). But in cibil records its wrong,


Because of these all i am getting various problem and mentally harassment.

Hope you can understand my problem. Please correct my cibil records.

Thanks & Regards,

Prashant kumar
Pan card No-azspk7369k

Dear Sir/Ma’am,

This is to inform you that I Deepak Sharma, S/O Sh. Yougesh Babu Sharma,R/O RZR-90 STREET NO 14 A DURGA PARK BEHIND SOLANKI PUBLIC SCHOOL NEW DELHI- 1110045. Holding a Pan card no.BHKPS5027H since last 6 ~ 7 yrs appx.

Recently when I applied for a loan to HDFC bank , as per them my cibil rating was down due to which I was unable to get a loan. On checking the details with HDFC Bank, the number of my PAN card was updated with some other person name Deep Kumar Sharma.

I am also inform you this problem so many time you are requested kindly suggest me what to I do because due to this problem I am facing a lots of problems.

You are requested kindly check this matter and update my cibil so that I apply a loan.

Waiting for your favorable reply.


With warm regards,

Deepak Sharma
+91-[protected]

I had requested a Credit Report from CIBIL, which after payment of the fees online, I was to get in 7 days. I have made the payment and submitted the required documents on 24th November. The said report has not been given to me. When I contacted them, the reply I got was as under on 12th December. However, after that I have sent 2 mails to them and they have stopped responding. I have asked for refund of my payment but even that is not answered. There is no way to contact anyone else on the website. I do not know how to get them to act. It is more than a month now.

Dear Sir,

We refer to your recent communication regarding your CIBIL TransUnion Score (Including CIR).

We apologize for the delay in responding to your email.

In this regard, we would like to inform you that we have received your required document and your service request number 1454307 is under process. Kindly provide us some more days to process your request. This is subject to receipt of complete and valid documentation. If there will be any additional requirements to your documents, it will be communicated to you through email.


Thanking you and assuring you of our best services always.

Best Regards,

Consumer Relations.

Wrong Cibil Report for Pan No.-AGKPP5955H (Stella Peter) Member I.D.BS00018766 Sir it is requested
to make necessary correction as follows-
A. My Name -Stella Peter
B.My. Father,s name - Mr. Manuel
Cooper
C. My Husband,s name - Mr. Sanjay Peter
D. My Pan. no.- AGKPP5955H
E. My Date of Birth-23.06.1962 .
F.The Cibil report of Pan No. AGKPP5955H (Stella Peter) should be provided and published instead of pan.No. AGKPP5956E (Sanjay Peter)
G. I have not taken any loan from Bank.
H.It is requested to correct the Cibil Report as above and send it to the State bank of India Jabalpur M.P. Medical College Branch
and also to Me.My. E.Mail Address is [protected]@rocketmail.com

I applied for personal loan. I came to know that in cibil it is showing that I have purchased two wheeler in 2002 and not paid the dues. I have never taken any type of loan then why it showing and even though I have applied for my pan card in 2007 how it is showing my pan card no.on 2002. Please help me in this issue.

I have applied for one loan amount from LIC housing finance where in I am the co-borrower and the main applicant is my husband ( Pavan Kumar Goel ) but in Cibil, there are two loans coming under our name.

My details are :

Name of the Main Applicant Pavan Kumar Goel
Co-Borrower Sonia Goel
Address Flat # 33, Neelam Vihar, Sector - 14, Kaushambi Ghaziabad ( U.P. )
Pan No ( Sonia Goel ) ACSPG1093R
Loan A/C No. [protected]
Loan : LIC Housing Finance Ltd


I request you to kindly look into this matter urgently and advise.

I won a house in an auction from UCO bank and paid 25% of the full amount and had a thought to pay the rest via bank loan.

All the banks denied the loan for some sort of legal issues related to house.

Now, my CIBIL credit score has gone down to 583.

Is this my fault that this house has legal issues which lead to denial of loan. I want my credit score restored.

Victor Das
[protected]
PAN - AUQPD1232R

Dear Sir,

I recently applied for a loan with LIC Housing Finance Ltd. The LIC generated a CIBIL report for me,

details for which are produced below for reference.
DATE:[protected]
TIME: 17:38:45
CONTROL NUMBER:[protected]

The report tags certain Mr. Santosh Kumar Pandey with my PAN number. I have no connection with

Pandey surname.My surname has always been Kumar without an exception.Passport number and date of

birth are also incorrect. In general the report has mixed all personal and financial transactional data

generated on Mr. Pandey with my own data. The report is an totally inaccurate concoction of two

individuals having no bearing on my actual credit history.

There are rudimentary errors which can be easily uncovered with simple logic.

E.g My PAN number starts with APJPK
Note that fifth letter is K which matches with first letter of my surname which is Kumar. This PAN

number cannot belong to Mr. Pandey.

1) CIBIL has failed to apply a very basic validation check.

Further the report assigns several personal loans and credit cards to me. I have never taken a personal

loan in my life and posses only one credit card.

This has totally jeopardized my chance of getting a loan. I have already paid advance of 7 lakhs to the

seller and I stand to lose a substantial amount of the sum if I am unable to finance my deal in 30 days. 2

weeks have already elapsed since I paid the advance.

I raised a dispute with a CIBIL stating urgency of the matter and pointing out that there's prima facie

evidence that the report is incorrect. This mistake should be acknowledged immediately in form of a

written communication. However CIBIL has chosen to completely ignore my pleas. It has instead started

a dispute procedure which they claim will take 30 days. By RBI norms banks have to respond to

complaints within 15 days. CIBIL requires 30 days to fix electronic data. This is unimaginable in todays

modern world run on computers. Further nowhere it is mentioned on CIBIL website that it takes 30 days

to fix errors.

2) Lack o[censored]rgency in fixing obvious issues and acknowledging mistakes

I have written numerous mails to CIBIL most of the mails have been completely ignored. The phone

number doesn't work. At least till now I have not been able to talk with a person over phone.

3) Lack o[censored]rgency in responding to complaints. emails and phones are not answered

CIBIL further claims that all information is supplied by banks and it cannot be blamed for a data

discrepancy.

It named AXIS, HDFC and ICICI banks as the institutions against which loan is pending. I have been

touch with ICICI and HDFC and they have confirmed that indeed I have no loans with them. I am sure

AXIS will similarly confirm that I have no outstanding loans whatsoever from it.

So if I can get a quick confirmation in matter of few days what takes CIBIL 30 days to fix an issue.

4) Lack of co ordination between CIBIL and banks

Clearly bank state that I have no loans while CIBIL says otherwise. So what good is CIBIL for if it

cannot even liaison with banks to obtain correct data and fix it on a timely basis.

My main issue is that if I do not close my deal I stand to lose a lot of money and all banks refer to CIBIL

to assess loan applicants.

Given I have never taken a loan in past it was fair to assume on my part that I would be able to secure a

loan. Now I beg your urgent intervention to bring to notice to appropriate authorities lack of professional

conduct on part of CIBIL.

CIBIL even hasn't got an escalation matrix in place. That is one of the reasons I write to you.

CIBIL dispute ID DIS[protected].


Kind Regards
Santosh Kumar

I have taken one Baja finance servlending loan of Rs: 14000. I have taken this from pai international since it 0% interest and no processing fee. Every moth my ECS automatically debited from my account. Because of some technical issue one ECS failed 3 times. I have no idea about the ECS fail. after some 4 moth i got one call from Baja finance your one ecs is pending and you have to pay ecs fail charge Rs:900 /- .my account always have sufficient fund. i check my bank statement and i got to know that ECS money debited 3 times from my account and return back to my account. Then i called Baja finance people and inform the ECS fail because some problem in your end my account have sufficient fund always and also i mailed the bank statement to them and they send one re-presnetive to to collect the one ECS money.

After that i got my NOC but these people update my CIBIL report like i have not payment for 136 days.
Now i am planning for car loan and it rejected.
please help me how to resolve this issue.
Government has to put some rule without informing to the customer restict all the company to update CIBIL rating of any customer.
I think like me many most of middle class peoples are suffer from different different finance company/bank. It like harassing the common man…………..


Government of India need to think about this and stop this company to do any thing they want without knowing to the custome

Hi Team,

I am trying to apply for a credit card but my applications gets rejected for no reason. But when I call the customer care they said that its because the Cibil Credit ratings. I would like to know why does this show. I am an ICICI Bank account holder from almost 12 years now. I have never been a faulty payer for my loans. Not Sure why this appears.

I have no idea whom to contact, since ICICI is more customer centric and I hope they help me in resolving or guiding me in the right direction.

Some where in 2000 one credit card agent come me and said Standard Charter BANK will give life time free card. I had applied and get but not use for 8 to 10 month but one day I had gone to Arvin shop and purchase some cloth of 7000 and something . but I had received a bill of 7000 + card charges .so I had taken objection and not paid some time but one day one agent come to me and say u may pay what ever u used I had pay full 7000 but some time I had get bill of card charge + int .....till same bill coming and today it show amt of 117000 in cibil data .pl tell how can I do to clear my cibil Report.....I am not at all defaulter any way

I had applied a home loan from the bank, The Bankers told to me about my cibil status is shown are 25000Rs overdue in my account, However, I never availed any type of loan, except I have a HDFC Bank credit card that's Limit is 25000Rs. and I paid the every bill before due date. I have no use my credit card from last six month approx. and my due is zero.
Please help me about the cibil status....

Thanks,

Name: Sanjay Kumar
Pan. No. AXQPK3796E
E-Mail: [protected]@gmail.com

Banks in India and Credit Information Bureau (India) Limited or [CIBIL] are working together to hashing Indian poor customers, In my view, both are forcing customers to go to private money lenders in promoting their business.

Reserve Bank of India needs to take hard step in this connection.

Dr. Ved Prakash
+91-[protected]