Credit Information Bureau India [CIBIL] Complaints & Reviews

This is to infor that after paying Rs.450, i still havent received my credit score which I was entitled to receive.
Been following this for the last 2 months(Payment was made on 2nd Dec 2011)...each time they say they have sent it in the email...but to no avail.
i have not been receiving any proper feedback also and this is very irritating.
Request others to take due diligence before paying money to CIBIL for such service.

[protected]@gmail.com

DEAR SIR,
i am having my cibil report in which.i am having overdue RS.345010.member id.BS[protected]CHHATRASINH D.THAKOR) for loan availed here i have not taken any loan but i am gaurantor for one party named- (NOT KNOW TO ME) also i am not able is know form which bank my o`d.refiecting so. please tell me bank name aiso.
This information a customar name attached with me and bank. have will able to halp me to clear my od`s
please tel me know any information required by you.
REGARDS; JAYENDRASINH C. THAKOR
MOB-[protected]
EMAIL [protected]@ymail.com

I am Arunkumar, I have applied for the car loan which was not getting approved because of CIBIL report. Actualy CIBIL report shows that I have a car loan already. I have not bought any car till date, Dont know how the car loan was mapped in my name. who took, which bank has updated.
Its really putting me in trouble. my dream goes as dream, not becoming true.

i have applied for CIR and Trans union Score Report online on[protected] but my authentication was failed . so i have sent a courier to cibil address Mumbai in a courier along with my Photo id proof and address proof ....but still i haven't recd the copy of CIR and Trans union Score Report ...amount of RUPEES 450/- i have paid to Cibil and i have the printed copy of receipt .but i have not recieved the report kindly help me ..and i have sent a email to [protected]@cibil.com for more than 3times but no reply from them where should i have to make a complaint ...

copy of mail i have sent to cibil...

Dear Sir,

I Have Applied for the CIBIL Information Report and Trans union Score . i have done online payment of Rupees 450/- my authentication was not successful. so i have sent a courier With (ON DOT COURIERS ) (Dated[protected] along with the photo ID and Address Proof to the following address Hoechst House, 6th Floor 193 Back bay Reclamation,Nariman Point,Mumbai 400021.

Can u please help me when will i receive the CIR and Trans union Score . And can u Suggest Me how to improve my CIBIL score ...

CIBIL ID : S[protected]
Transaction ID: 28345941

Please find the Attachment of Online Payment Confirmation Receipt

Kindly do The Needful Asap.



Thanking You,

Ref: CONSUMER: SHARMITA PAUL
MEMBER ID: BN01034001
DATE:[protected]
TIME: 11:31:37
CONTROL NUMBER: 51,26,09,637
PAN No.: AKHPP1790R


I had applied for a car loan recently with Bank of Baroda, Chakraberia Branch, Kolkata - 700020, INDIA.

I was shocked to hear from the Bank (Bank of Baroda, Chakraberia Branch) that my name are listed in the Defaulter List of CIBIL.

To be precise my CIBIL report is not clear for sanction of the car loan as the report is showing an outstanding payment ‘Written Off’ against a credit card. Since the Credit Card issuing Bank information or the account number is not disclosed in the report, I am unable to trace out any outstanding payment on my part, if any. As far as my knowledge goes, I have no outstanding payment lying un-paid or written off by any credit card issuing Bank.

I do not know which Financial Institution has reported our name in the defaulter list. This is utmost unfair for a customer who is sincere and has never defaulted in any way.

I therefor request you to kindly inform me the details of the Credit Card issuing Bank and the Card account number to communicate with the concerned Bank to understand the reason for making this negative record.

I seek justice to get my name removed from the defaulter list with an immediate effect.

Looking forward to a suitable action at the earliest form your end.

Regards
Sharmita Paul

Dear Sirs,
I would like to bring to your kind notice that I had cleared all my outstanding dues of Credit Cards of ABN AMRO Bank and HSBC Bank (through Affiliate-JM Financial, Kolkata) during 1st week of Ocober/2011, but CIBIL (Credit Information Bureau India Limited) has not updated the same till date, as a result of which I am suffering from huge financial losses by booking a Flat at Kolkata and unable to get a House Building Loan from any Bank. Please help me urgently.
Dated-Kolkata, Yours faithfully,
The 26th November,2011. SANDIP RAY
Address:- Sandip Ray, Senior Associate, Cognizant Technology Solutions, Sector V, Salt Lake City, Kolkata-700091.
Contact No.-[protected]
E-mail IDs:- [protected]@yahoo.com , [protected]@rediffmail.com

Failure to provide credit report
Hello

I'd filled out a credit report request and made an online payment CIBIL Trans Union Score (Including CIR) (Rs 450/-) (Transaction ID:[protected]CIBIL Registration ID: S[protected] Date:[protected]. I'd sent my ID proof and Address proof (self attested) via simple post on 01/10/2011 and then via speed post to the address mentioned on the website on 24/10/2011.

But still today, I have not got my credit report

Puneet Nidhi Sharma
Greater Noida (U.P.)

my PAN no. is wrrong ATYPK0331R.
my PAN no.is ATYPK0333R.
I have only a personal lone Rs.2,00,000/=and I pay EMI everymonth regurrl.
Not anyother lone.
Pl.up-to-date my CIBIL report.
my control no.50,89,76,883.
my member no.-BN01145216.

Hi Sir,
In my CIBIL report showing EXCLUSION CODES

1. ONE OR MORE TRADES WITH SUIT FILED STATUS IN THE PAST 24 MONTHS.

but in the detailed report there is no credit Accounts showing suit filed,
With out any suit-filed case against me they put this exclusion code against my credit,
I contacted CIBIL for lots of time they are not giving any information that which AccountName/AccountNo suit-filed and also they are saying that in my current account there is no-suit filed but they are not making the change in the report. This is causing the rejection of Loans from Banks,

Here is the CIBIL details:-
CONSUMER NAME: THEKKINTHODI SAITHALI SAMEER DATE:[protected] TIME: 15:30:48 CN:505,212,288

Pan:BWUPS2034K
Thank you,
Sameer

I Raghubir Singh s/o Sh.Birsal Ram Sheoran R/o h.n. 651 sec-15A having pan no.AVFPS9017H,
aS THE CIBIL SITE SHOWN TWO LOAN OR RS 2966012/- AND 1141000/-.
BUT I HAVE AVAIL THESE LOAN PLEASE DELETE TO THESE LOANS.
IF NEED ANY TYPE OF INFORMATION PLEASE CONTACT TO ME.
PLEASE DO NEED FULL.
EMAIL; [protected]@gmail.com,[protected]
THANKS

Respected sir,


Am SATYANARAYANA AVULA holding the pan no of AOZPA5834P i have the problem with my current cibil report which i was took from the bank the problem is the report showing a home and the personal loan in my account and both the transactions are of same amount that is 74,250 and of same date that is[protected] . according to my knowledge it is completely not fair and that is a wrong entry. and the current report making me a problem for my further procedures to take any loan, so plz make my report clear and provide me the proper data. i am in a Will to move with a legal proceedings for this problem so please make it clear and provide me proper information as soon as possible.


CONTROLL NO=[protected]

Hi ,

I have taken a educational loan from syndicate bank and as did not repay the laon amount so i have been listed in CIBIL , now I have been paying it regularaly since one and half years , repaid my outstanding loan amount totally 4 months back and got no due certificate from Syndicate Bank.
but recently i have applied for credit card which got rejected & even my Home loan .Have no idea how this will resolve.Kindly help me in this regard.If need any details please let me know ,i can provide necessary documents.

Thanks in advance
Dasaradha Reddy P
[protected]@gmail.com

I have applied for the CIBIL report and score by online payment.
Before filling the application I verified with the customer care executive whether the rent agreement can be submitted
as the address proof.

Customer Care Ex number 1 says: Yes!

Then I send the report with ID, and address proof and the payment confirmation.

Later I get a mail saying the address is not in the database I need to take the approval letter from financial institutions
(like banks etc - CIBIL's only soul mates!)

I give a call to the customer care and ask, I live in Bangalore, my savings accounts, credit cards belong to the addresses in
Mumbai, Chennai, and Hyderabad. And I don't have any account or credit card in Bangalore address. So how can I get the address verification letter from the banks.

Customer care Ex Number 2: BLANK!!! (no response) says he cannot process the CIBIL report.
Me: Can my office address is okay for sending the CIBIL report.
Customer care Ex Number 2: he says it is okay .. let him check if the address is present in the system.
I provide him the office address. Then He do some kind of rocket science algorithms in the system.
And He says, Voilà!! Congratulations. your address is present.
I am happy. Ask my employer to provide me the address proof. They promptly give me the same.
And I send it back to the CIBIL. So far good.

Again I get a(the same old)mail saying your address is not present in the system. And I need to send the verification from
their beloved credit institutions.
I am: somewhat irritated. Says "patience" to myself.

Calls the customer care executive.
Iterate to her the same old story. (long and irritating and full of ridicule)Additionally argue the address is only to dispatch the report. It has nothing to do with
processing a report(because CIBIL's beloved banks can get "my" irrespective of my current address).

So later finally Customer care ex number 3 says okay, they can send the CIBIL report on the address (my office address)

Next day I get the same old (I guess auto generated) mail.

Now full of frustration I again call the Customer care(Now Customer care Ex number 4).

I explain and verify my details tell her same old story.

She says whatever information provided by Customer care 2,3 is incorrect.

I asks her if I can talk to he supervisor.
CCEx Number 4 says, No! Whatever information she is providing the same will given by her supervisor(classic answer).

Also tried to ask her does she have any log of my last conversation with previous executive. She says no!.
She is not authorized to do so. And to me written conversation is only authentic. Seems! those machine generated mails from [protected]@cibil.com. I wonder to whom/what I am writing to a person or a machine which has lots of text copying and pasting. And no clear (humanly possible) solution to the problem.

Totally disappointed and intrigued. After long conversation I thank her, she wishes me a good day. and I disconnect.

I would like to ask the same question, if cibil can give access of "my" Credit Information to the banks irrespective of my
current address.
WHY I am being denied to get the report just because of stupid address verification WHICH is just used for dispatching the
report to the right person.


Again skeptic about, whether I will get response to this mail or not. Hoping to get one from human at other end.


Regards,

Lalitanand

Hello Sir,

I ajaypal singh, i recently applied for home loan in LIC but they rejected my application on the basis of cibil report. As per cibil report there is some amount arround 71000 due on my name. When i contacted cibil they told me this information is updated by cibil on the basis of information provided by the induind bank.

But i never even applied or used any credit card from indusind bank. but when i contacted indus bank they are not giving me any satisifactory answer. as per bank the information in their database name is same is mine but other info is not same. now i am worried as i already paid the token money and signed off the sell agreement.

please help me how i resolve this.

i have applied for a housing loan from AXIS BANK, Indore Branch in August 2011.But They rejected my application saying that i am already having an outstanding loan amount of 45000 rs as per the credit Report provided by CIBIL(credit information bureau India authorised.)As per report i Had taken a consumer loan of above said amount in year 2001 which i had not paid.
As per my knowledge i never taken any such loan from any bank/loan giving facility.
As per AXIS Bank Control No. provided by CIBIL to AXIS Bank is[protected].
i go through cibil wbsite WWW.CIBIL.COM,but no information is there regarding my query.
Is cibil a government organisation?
who has given them rights to share confidential things of any person to any bank without informing the concern persons?
why cibil had provided wrong credit report to AXIS BANK due to this my Loan Application get rejected as a result i had suffered from mental harrasment and unneccesary troubles.
PERSONAL DETAILS:
MUKESH KUMAR GUPTA
PAN NO:AKWPG6620Q
MAIL ID: [protected]@REDIFFMAIL.COM
MOBILE NO:[protected]

My credit card application is rejected because of the negative feedback from Credit Bureau of India Ltd (CIBIL). I haven't took any loan or does not have any credit from any bank till date. And becuase of wrong report submitted from Credit Bureau of India Ltd (CIBIL) it was rejected. I just want to know why they submitted the wrong report?

Sir,
This is to bring to your notice that I am Manoj Kumar S/O Shri Jaipal Singh R/O Village Pinai, Post Gadina,Mawana Distt. Meerut Uttar Pradesh pincode 250401 has applied for a carloan from HDFC Bank Meerut in the month of august 2011. After FI report i am informed by the bank that your cibil report shows an amount of 5 lakhs has been taken by you as a business loan against my PAN Number ANVPK8204C on 2march 2006 out of which an amount of 4,00,443 lakhs is balance and overdue amount is 22,675/-
I was shocked to hear that as no such loan has been taken by me. Even i am not able to detect the datails of the loan as HDFC bank says its a confidential report and details of loan can be obtained from CIBIL only.
Therefore i request you to kindly provide me the details of loan and the bank from where this has been sanctioned.
Kindly do the needful asap.

regards, Manoj Kumar
S/o Shri Jaipal Singh
Village Pinai
Post Gadina, Mawana,
District Meerut,PIN CODE 250401
Uttar Pradesh
Date Of Birth [protected]
PAN Number ANVPK8204C

To,
The Appropriate Authority,
CIBIL

Dear Sir,

This is to bring to your kind notice that I, C.S.P Shrivastava, have jointly applied for my son's educational loan from Bank of India, Patel Nagar, Patna Branch, Bihar which is getting rejected on the basis of mine & my son's name appearing in cibil's defaulter's list. I wish to declare that I have settled all the loans in my & in my son's name & posses the settlement letters from the financial institutions.

The cibil report with Bank of India only reflects certain amount as due but doesn't clarify the name of the institutions. I feel the onus lies with you to ensure the latest updates on an ongoing basis as to avoid furnishing half truth. I am sure our names should not have been in the defaulter's list.

The interest of my son's career would be at jeopardy if the needed & correct feedback isn't provided to the bank concerned immediately. In absence of which I would only be compelled to resort to legal recourse.

I hereby request you to kindly let me know the names of the institutions (with details of loan accounts) considering us as defaulters.

Kindly find below the details in this regard:

Applicants Name- Satyam Shekhar
PAN no. - BHGPS9800N

Co- Applicant's Name- C.S.P Shrivastava
PAN no.- ANNPS6337E

I appeal to your good conscience to personally look into the matter in the name of the fair justice.

With Regards,
C.S.P Shrivastava,
[protected]

My loan is declined due to my name is in cibil list a loan on two cards for more than Rs 15, 0000.00 but what is the name of bank is not known as it is told to me by the bank to whom I applied .
I want to know the name of the Bank so I can settle if any

Secondly one of my PL is running very successfully from last two yrs without any prob till date. Kindly help me in this regard & remove my name from the cibil report if three is any
thank

CIBIL had updated someone elses details of non payment of credit card on my account and hence i have been having issues getting credit card and car loan approvals. I realized this when the bank that i applied for car loan with came back to me wit hdetails saying that i have a pending credit card balance with American Express card.

I have never in my life have used this card and had disputed the same with the CIBIL team. They investigated and responded saying that they had posted this details on my account by mistake and will rectify. (i have an email from the CIBIL team on this)

I had asked them an update once the same is rectified and i have no response from them till date even after multiple requests. Its been more than a month now.
Please reach out to me at [protected]@yahoo.com for any clarifications.