Credit Information Bureau India [CIBIL] Complaints & Reviews

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]

Respected sir
As i apply A home loan from axis bank they inform me there is already a loan which is showing in cibil account .toatl amount of loan is 14098000.00 rs on dated 31/12/2005. & balanced amount is 131850.95 . i hope this is clerical mistake.sir Please clear it from my cibil account so that i can take home loan for my house. My add is as follow. Harinder pal singh s/o sh. gulab singh chaudhary h. no 350 b/2 shiv colony Pinjore distt. panchkula Haryana.

Thanks & Regards
Harinder pal Singh
ABM Chandigarh
[protected]@yahoo.com
m.no. [protected]

I Swati Bansal
Pan: ATZPB3023G

R/o
B-1, Plot no. 1/22, Sector-5, Rajinder Nagar, Sahibabad, distt. Ghaziabad (U.P.)
PIN CODE: 201005
Mobile: [protected]/[protected]
Mail id: meenakshi10.[protected]@gmail.com

Dear Sir,

I purchased a flat and applied a housing loan from Can-fen homes and they opened my cibil and told me that I have a previous pending housing loan of 20Lac Rs. that is totally wrong information in cibil from unknown bank because i have never taken any housing loan from any bank.

Please take are of my cibil and sort out it on priority basis.

Also make sure that unknown bank issue sorry N.O.C. letter by mail or courier immediately because my Can-fen homes loan is being delayed and builder warns me to cancel my deal.

Thanks!

Swati Bansal

This is Alwin from Bangalore

This is to inform you that my name has been misused for loans without my knowledge in HDFC bank.
I am receiving strange calls from the same bank saying that my name is under defaulter list due to some credit card no with [protected] -outstanding bill amount of 3lakh. Calls are like threatening saying salary Account will be debited for the same. However, I have not been using any credit cards.

Please help me out clearing my name from CIBIL

Alwin
+91 [protected]

Dear Sir/Madam,

This is inform to you, that last one month ago i have applied a credit card in Standard Chattered Bank in Kolkata Saltlake branch. But after one week my application has disregarded due to my name in the CIBIL defaulter report.

But still now i am not taken any Credit Card and any loan from any Bank. So how my name goes to the CIBIL report. Please take any action regarding CIBIL.

Without any verification why my name listed in the CIBIL report.

Below I have mentioned my information:
Prasanta Kumar Panda
CF-11, Chandiberia, Jora khana
Kestopur, Kol-700102
PAN#ASJPP0705C

Please do the needful.

Thanks,
Prasanta

My father wanted to secure a home loan for which i was requested to be signing a SECURITY at the SBI Bank. To my surprise when the bank people checked my CIR - it was having a score of 638 out of 1000 and also showing as TWO CREDIT CARDs defaulted against my name.
I have taken a credit card from Barclays bank in year 2009 and it was not proper (poor service, incorrect billing, and there by complaints were raised but not answered by the bank - this account was lapsed due to lack of payment, the outstanding of rs18k has become 34k even after me paying off rs5k from it- Nevertheless I have closed this account with a settlement with PHOENIX ARC (purchased the acs from Barclays) in the month of Feb 2012.

Now the CIBIL report shows this as TWO ACCOUNTS/CREDIT CARDS being defaulted and with same card number and same limit and same details - HOWEVER they are very reluctant to remove/amend this as one account in my CIR report. The have asked me to contact Phoenix arc - but never confirmed which details they want friom Phoenix arc to get this rectified - me on the other hand have contacted Phonenix arc and they have confirmed that they have no role to play in correcting the CIR of mine.

in my communication with CIBIL even they have confirmed it is the same account but they are very reluctant and reckless in correcting my account and have not corrected it - This is absolutely contradicting with the statement that they have quoted in thier website that they will correct the duplicate accounts upon dispute resolution i have raised two complaints already with sr nos1136704 dated 30/6/2012 and one more sr no 1162605 dated 14/6/2012 are closed with resolution asking me to contact phoenix arc - upon being asked what information i should be getting for cibil pheonix - they dont have an answer.

My security was told to be INVALID by the loan officer at SBI Brnch as the account is shwoing as defaulted on two accounts and not one. This has resulted in a lot of strain and nervous breakdown and pressure on me as i was of not even some help to my father for his dream of owning a house.
This act of CIBIL has brought a lot a issues and is a prime reason for my father loan at SBI gettig rejected with a reason of no guarentor for his housing loan.
CIBIL people will charge from people to provide a CIBIL report but will not help the consumer by resolving thier grieviance

their replies to me -
"Dear Sir,

We refer to your recent communication seeking clarification on the BARCLAYS BANK Account Number : [protected]

In this regard, we would like to inform you that PHOENIX ARC has acquired the portfolio from BARCLAYS BANK. Therefore, there is a change in the reporting member name.

The BARCLAYS BANK is reported the account as Sold. The active account is reported by PHOENIX ARC .

If you need more clarification on your above account, kindly contact PHOENIX ARC.

Thanking you.
Best Regards
Consumer Relations"

"Dear Madam,

Re : CIBIL Credit Information Report

We refer to your email dated 4-7-2012 regarding your Credit Information Report (CIR)

In this regard, we would like to inform you that we have replied to the above email on[protected] vide SR number 1136704.

Thanking you and assuring you of our best services always.
Best Regards,
Consumer Relations"


Please help me in getting a correct CIR report with no account being reflected twice - ie no duplicate accounts in it.

Sir,


I have an issued with Credit Information Bureau (India) Limited (CIBIL). CIBIL have updated wrong details against my name & profile.Few days ago, I have applied a personal loan in HDFC bank & they have rejected my personal loan, because of CIBIL have updated some wrong details against my profile. After this issue I have applied for a CIBIL report with 142 rs demand draft in CIBIL organization. I had seen that CIBIL have updated a wrong loan detail on my CIBIL report(CIBIL report Control No[protected]. Based on CIBIL report I had contact with HDFC branch. After the HDFC investigation they told me & confirm me threw email. The following details are not match with my profile, name & the ICICI have also communicated an email to CIBIL for update the right information & details against my profile & Name. I have send @5 or 6 emails to CIBIL organization on [protected]@cibil.com, & [protected]@cibil.com email id regarding this issue. But CIBIL have not updated my details as on today date & not replay my emails.
Wrong details in consumer imformation NAME wrong,Enquirydetail wrong,PAN card number wrong

My Name in CIBIL defaulter list without taking any Loan.

My Name is Umesh Kumar Singh s/o Bhagwan Singh, address - 3A/100 NIT, Faridabad - 121001 (Haryana). I never take any loan but my name shown in CIBIL defaulter list. Surprised.. Please find below transaction which is not belongs to me but shown in my CIBIL report. Please send deletion / updates on my correct information to CIBIL please on priority basis. These loan / credit card number not BELONGS TO ME. BUT WHY SHOWN IN CIBIL REPORT. Surprised.... THIS IS CRIME... PLEASE TAKE ACTION. I HAVE COMPLAINT TO HDFC BANK NO ACTION TAKEN.

14395777 HDFC Bank 27/01/2009 3,45,0000.00 2,31,518.00 3,45,000
[protected] HDFC Bank 18/09/2007 71638 21928 70638
13352907 HDFC Bank [protected] 1,00,000.00 0 0

Umesh Kumar Singh
[protected]

My name Umesh Kumar Singh S/o Shri. Bhagwan Singh, H. NO. 3A/100, NIT residing at Faridabad I never take any loan from any bank but my name has forwarded by banks - HDFC, Indusind bank, ICICI bank etc to CIBIL. Please help me. I have already log the complaint against bank adn CIBIL to clear my name from CIBIL deaulter list.
umesh kumar singh
[protected]

Hi,

I have book an order on 10th May, 2012 to CIBIL to get my CIBIL TransUnion Score (Including CIR). I have also paid Rs. 470/- thru online payment to CIBIL as well as got payment confirmation from CIBIL.
On 10th May, 2012 I got a massage on my mobile no. that CIBIL report has been sent to my mail ID vide service request no. 1075332. But still didn't get that report.
My humble request you to please provide my CIBIL TransUnion Score (Including CIR) at earlist as possible. Since it is really very very urgent.

Regards,
Ravi
+91-[protected]

Dear Sir,

I had paid 470/- online and sent documents in courier.
I got sms as my CIBIL report dispatched and service request id is 1051989. so far i had not received the same. I contacted customer care and was given with a tracking number VPL[protected] , which does not exist in professional courier. Could you help me on

DEAR SIR,

I GOT A TWO WHEALER LOAN FROM SYNDICATE BANK. AT LAST SOME EMI'S WERE NOT PAID ON TIME AND FINALLY I PAID FULL & FINAL AMOUNT BEFORE MATURITY OF LOAN PERIOD. NOW I APPLIED IN HDFC FOR A PERSONAL LOAN BUT THEY ARE SAYING THAT MY NAME OF APPEARING IN CIBIL IN DEFAULTER'S HENCE THEY CAN'T GIVE ME LOAN. WHAT IS THE RAMEDY TO OMMIT MY NAME FROM CIBIL. NOW THE OLD LOAN A/C. IN SYNDICATE BANK HAS BEEN CLOSED BEFORE ABOUT 2 YEAR. PLS HELP.

THANKS & REGARDS

REGARDS

Hi sir this is PARASH NATH SINGH i have complaint regarding the functionality of the CIBIL AND ICIC BANK . I HAVE TAKEN A LOAN IN 2007 FORM ICIC AND ONE FROM STATE BANK IN 2009 BOT WERE CLEARED ON TIME. each installment was paid on time. and as per cibil it sows over due. and they even show in there report that there were 9 late payments .. which as per bank report is false . on the basic of all these wrong reports . they have scored me at 538. and when asked clarification from they ask to speak to bank . when spoken to deputy branch manager vikrampuri branch.. secunderabad he say speak to cibil.. and when called cibil again they are not sharing any info .and asked again to speak to bank. though the sbi has give in written that the amount was paid on time . but icic is not ready to that as well . the ppl in icici bank no matter he is in branch office of in custcare over the phone .. are not ready to take any responsibility and are . manner less and rude to the customers.. as per the branch dy manager vikram puri . secunderabad.. cibil is trusted as they provide info and keep track of the transactions for free even though itis wrong .


Is CIBIL authorised by RBI. Who checks the default before spoiling credit rating of an individual? Why should CIBIL not try to settle the issue or intimate the borrower and ask for borrowers clarification before spoiling his credit rating publically

Some one should take strict action and help close CIBIL or formulate some way to address consumers response to evaluate the sustainablity default reported by the banks/financial institutions.

My Name is pankaj Sharma and pan isBLSPS9245R.I have not taken any type of loan but cibil status report is showing nos of loan, please rectify

1 i have taken 32000 consumer loan and i deposited as my emi procedure but have mention in your inquiry consumer information 8001 is due still. please clarify me.
2. wrong account no.[protected]is given in my consumer information regarding personal loan amount is 1,50,000. which i don't carried.and also mention wrong account no.which is not mine.so please give me all the clarification regarding this. and also shows branch and location where i have taken this personal loan.

Respected sir,

As you are aware CIBIL is a private body that calculates and maintains the credit score and credit history of every consumer (borrower) in india. Now the way they have reached to calcuate the score is not worth wise. I strongly feel the approach to identify the right consumer doesn't fully depend on the enquires.

I have availed loans and have credit cards with banks. I have hardly used credit cards and paid all personalloans on time. All the credit cards but one has already crossed the expiry date and expired. Still they reflect in CIBIL and making me not eligible for my house loan. The house loan company also have made (taken) report from CIBIL, but it had to take the report 3 times to ensure the correctness of data. Silly thing is that, since i have too many cards they rejected me loan. I shown the the expired cards also shown the report from CIBIL, which i purchased for Rs 450 (it takes 10 working days to reach me). You know mean while the mental harrasment and presure from the builder of property.

Even after showing the report, the bank has rejected the loan. Also the enqurie they made (3 of the enquries) are still bothering me with new banker also. The way the score gets calculated is also have flaws. When the credit history doens't have any over due or late payment and still made the payments on time also the cards got expired. Why would there is a need to maintain the records and bother for another loan.

I just wanted to know the rules behind score calculation and want to realise why my credit score is less.

Hi,

I am not able apply any loan for my personal needs. Every loan is getting rejected due to cibil report. Previously all my loans was rejected due to defaulter list in CIBIL. I have cleared my name from defaulter list by talking with the Standard chartered bank and cleared the same but now also loans are getting rejected due to ICICI credit card shows the status as settled. I don't know how to proceed. Please guide me how to proceed.

Thanks,
Ganesh Ram