Credit Information Bureau India [CIBIL] Complaints & Reviews

hi, this is mvgoud. i reported to cibil for my clarification of home loan guaranter. i dont know DD along with my details, till now i didnt get any information from CIBIL. Please send the details to my email id [protected]@gmail.com.
thanking you.

i applyd for housing loan. but the bankers told you gave the guarantee for housing loan. submit the clarification for theat. i sent DD of 142/- along with my details to the CIBIL. TILL NOW I DIDNT GET THE CLARIFICATION REPORT.PLEASE SEND MY REPORT TO MY MAIL ID..[protected]@gmail.com

From,
Mahagujarat Silk Selection
Nobles-A, Opp. Ashram Road,
Nehribridge, Ahmedabad-09.
Tel:[protected]
16/04/2011
To,
Credit Information Bureau (India) Limited,
Mumbai.

Dear Sir,
Sub :- Cibil Report

This is to inform you that we have applied for c.c. A/c. into Vijay Bank Ashram Road Branch.

Cibil Report from you shows that we have taken a loan of
Rs. 1, 71, 71, 480 from Bank . But we have not taken any such loan and such amt. is not pending in any Bank.

Your report creats us difficulty in passing this loan .So please give a fresh report showing no such typy of due amount and oblige.
Please request you to send to our Email . Our Email is
[protected]@gmail.com


Pl. immediately send us mail.

Pl. as soon as possible.

With Regards,

Mahagujarat Silk Selection


Harshadkumar M. Shah

I, Brij Mohan Gulati buy a Hero Honda Splander Motorcycle through the loan from ICICI Bank & my loan account No. LTDEL[protected]. When the bank deposit the cheque to receive the payment from my account for 1st & 2nd instalment I have no sufficiant balance in my account and the cheque bounced. After that I deposit all the amount in cash and THE BANK RETURNED MY BALANCE CHEQUES. I have got the N.O.C. from ICICI Bank. So you are requested to remove my name from the CIBIL Credit List.

chagan bhai keshav bhai savaliya rajkot (gujrat)
pan no. ahgps8368a
cibil report plz...

everyone has financial difficulties but that is no excuse to stop repayment. you had no qualms when enjoying with Bank's money but have a problem in repaying. You are stating that your financial position is sound then why are you going back for a bank loan. Every defaulter comes out with the same story...yours is no different.

I have received report from CIBIL and whatever mentioned there is not correct. 1st SCB credit card no is having 12 digits only after email corres they have sent another no. which is having only 14 nos. Again i have sent reminders to them but no response. Over phone no response or all the executives are busy recorded message. I don't find this is useful for bankers (who rely on CIBIL).

Banks are also doing this for Home loan becos they are taking our document from us once loan sanctioned if we default they can encash money. Still they are checking in CIBIL. If it is personal loan then it is OK for home loan i don't think it is necessary.

Dear Sir, Madam,

My name is Abhishek Iyer. I have applied for an education loan with SBI.

Before sanctioning my loan, the bank took out my credir report from CIBIL and shockingly, the report says that I had availed a loan of Rs. 54 lac against my CREDIT CARD on 02.11.2008, of which, Rs. 17 lac is outstanding.

This is absolutely rubbish as I have never ever applied for any such loan. Moreover, common sense would suggest us that no bank will offer such a huge loan against CREDIT CARD. To top it all, I did not even possess a credit card during this period.

This error has resulted in my loan process being put on hold till the time the error is corrected in the CIBIL database. I am facing a lot of problems because of this.

I personally believe that CIBIL has no right to give such false information about me, which is causing me great difficulties.

I am suffering due to someone else's mistake.

If someone can guide me in this matter, I would be really grateful.

Abhishek Iyer.
[protected]

Complaint to RBI using this online form:

https://secweb.rbi.org.in/BO/compltindex.htm

Good Luck!

My name is Deepak Mishra . I found in my CIBIL report that i am using 2 credit cards if Axis Bnak. But the fact is that i am using only 1 credit card of Axis Bank . The no Credit Card is [protected]. I request you to kindly check the details of another credit card of Axis Bank which is not mine.

kindly revert me urgently on my mail id: deepak.[protected]@axisbank.com

Deepak Mishra
PAN No. ANBPM5351J
Shri Kant Mishra
Date Of Birth: 16/07/1979
M-17 Camero Complex Subroto Park New Delhi -110010

Dear Sir,
i had taken car loan from HDFC bank before long time, there is some bounces in my account, but i had closed my account with bouncing charges, but till there is some outstanding on my account, ican now why this happen?
plz solve my problem asp.

Regardz,
Nilesh Shah.

It is rediculus to rely upon the CIBIL Report .This report is most unauthentic .The Banks do not update the data or credit history of their customers, that's why the report shows the credit figure .Only way to get this corrected is to take the NOC from the institution, which is showing the credit amount .The customers are being harrased by this unreliable report .

Hi..

Having problem in getting credit card/ Loans due to Cibil, need help in clearing / Improving Cibil Score ( cont : Nancy – [protected])


Regards,
Nancy.T

I have closed my credit card payment to ICICI bank and got settlement letter. 5 years back but the bank has not remeved my name in the sibil list.

My name is Paras and I am having same complaint. I have submitted Rs 142 from netbanking on 28-07-10 and got the successful transaction message from CIBIL.

From that day I have been waiting for CIBIL report .CIBIL customer care neither respond on emails nor on phone, and ironically there website says that CIBIL is customer focussed.

Please lete me know where and how to escalate this issue as I have already sent multiple reminders and this is delaying my plans to buy an asset as I am not getting loan for it

Am also facing the same issue. Phone calls wait in the Q for more than 10 mins and never answeres and mails to [protected]@cibil.com and [protected]@cibil.com are never answered.

Let me know how long it takes for CIBIL to reply if anyone has got the report.

Thanks
Augustine

for any quries contact CIBIL customer care on[protected]

i have requested for my CIBIL report more than 5 times and i received them on time.

call them up and ask for a status.

thanks
Vj

i rajeevkumar submit a complaint in cibil customer care number file, my qtr no 469/2, spg complex, sec 8, dwarka, new delhi, sir i had never taken any loan, credit card in my name sofar but my name in your defalter list . after appling citi bank credit card i know this problem ( credit card application no 180412 dated 24/12/2011, ref no [protected], so i request you to romove my name from your defalters list
.

Agree with the consumer. It is pathetic state of affairs that this agency does not address the consumer concerns nor does it make any effort to do so. It will be helpful if any enlightened consumer can give us a way to make this agency actively respond to the consumer concerns in time. In case there is a agency or body to whom the complaint against CIBIL can be escalated, it will be a blessing if that detail can be made available.

Thanks

Easier Way to get CIR is apply any fake Loan Atleast you any body who is working on finacial institution and get cibil reports soon

other wise you will not revice any details fro CIBIL as because they realy making the money nothing else

thank you

my name kalpesh bhatt my peyment ok is B F L finance

I am facing the same problem. Please let me know and post if you got the answer.

Homesh

I have been facing a similar issue. I registered for my report and Rs.470/- got debited from my account. it has bee a month now and i don't have my login credentials.

You can ask for CIBIL report by paying some Rs.100+ to CIBIL and enquire the details from concern bank.It seems to be identity theft case. If you don't own said credit case

THIS CIBIL IS NOTHING BUT JUST ANOTHER WAY OF HARASSING THE PEOPLE. IT IS TYPICALLY AN INDIAN GOVERNMENT COMPANY BECAUSE WHEN YOU TALK TO ANYBODY ABOUT YOUR REPORT THEY SAY IT IS INTERNALLY MADE, WHAT INTERNAL DECISION ARE YOU TALKING ABOUT. I TOOK A LOAN FOR MY BIKE 2 YEARS BACK AND I PAID IT WITHOUT ANY SINGLE BOUNCE OR DEFAULT. NOW WHEN I APPLIED FOR A PERSONAL LOAN AFTER THE COMPLETION OF MY EXISTING LOAN. CITI PEOPLE SAYS THAT YOU HAVE A CHEQUE BOUNCE AND CIBIL SCORES ARE NOT UPTO THE MARK, HENCE WE CAN NOT APPROVE YOUR LOAN. WHICH CHEQUE ARE YOU TALKING ABOUT. I PAID MY LOAD VIA ELECTRONIC TRANSFER AND NOT VIA CHEQUE. CIBIL BEING AN INDIAN CITIZEN I AM AUTHORIZE TO KNOW WHETHER YOU CHECK THESE COMPLAINTS OR NOT OR IT DOES NOT MATTER TO YOU. DO YOU EVEN UNDERSTAND THE AMOUNT OF FRUSTRATION I AM GOING THROUGH. PROBABLY THIS IS ONE OF THE REASONS WE ARE LOOSING FAITH FROM OUR OWN GOVERNMENT. I TRIED TO CALL YOU AND DO YOU KNOW I WAS ON HOLD FOR 2 HOURS AND AFTER THAT SOME ONE HUNG UP ON ME. FOR GOD'S SAKE PLEASE LOOK INTO THIS.

My friend Dr. Gopalakrishna is taken credit card please sent[protected] send to status witten off send full details

I agree Deepak. I used 4 credit cards . i had maintained correctly.no outstandings are there. When applying personal loan CIBIL score cheat me. I mailed to all my credit card holding banks. All banks says 'this was not from my side'.
What ------- was happened.
CIBIL is very very worst.

I could understand your situation.

First of all, CIBIL is not owned by the Indian Government. It is just a separate entity formed by several banks such as ICICI, SBI, Andhra Bank etc.

All these banks add, delete and modify information about their customers at the CIBIL database. This database i used by other banks to verify your financial status and your credit history.

The problem you are saying is about the so called "bounced cheque". Now, what you can do is, contact your lender who lent you the bike loan. Provide him the necessary details about the loan and some how try to prove that you used ECS and did not use a cheque (you can do this by showing your bank statement).

You shall also visit www.cibil.com and order your credit report.

u

Sub: Rectifying Inaccurate Information In my Credit Report
Ref: Credit card No [protected], [protected], [protected], [protected]


Dear Sir,

I was possessing credit card of Standard Chartered bank . I had entered into a settlement with Standard Chartetred Bank on[protected], vide letter No BPL10909 -Customer no [protected]. for Rs 8247/-I had paid the cash instalment [Rs 1375]on[protected], followed by PDC[S] [Cheque nos. 250681, 250682, 250683, 250684, 250685]ending on 18thJune 2010. The last cheque was credited on[protected].
Following this I had approached the Standard Chartered bank who told me that mthat there were no dues pending after that. A No-dues Certificate was issued on 23/08/2010 after repeated reminders. Since they have not sent a communication to CIBIL that there are no dues outstanding against me, my records still show a balance with CIBIL which has not been updated in your records.Standard Chartered bank is not prepared to send you a communication in this regard though I requested them. Because of this an additional home loan which has been sanctioned, based on the "No-dues certificate" from Standard Chartered Bank is not yet disbursed causing me a lot of harrassment.

Your website mentions as:-


________________________________________
Rectifying Inaccurate Information In Your Credit Report
________________________________________
Q.23 How do I rectify information in a credit report drawn on me?
Please contact the credit grantor from whom you have availed the loan and request the necessary changes. The credit grantor will then report the change to CIBIL and we will subsequently make the necessary updates in our records.

When I approached the Standard Chartered bank, they are not ready to send you a communication. Please clarify
Thanks .
Dr Barat

Bank's do not report personal details to cibil and cibil has no way to check relatives account till they have the pan number - if you have provided the pan number of your father or if he was a co applicant in that loan then only any bank can relate a relative.

anyways rbi guidelines does not suggest that credit cannot be granted to the relative of any bankrupt person leave alone some credit defaults.

so it must be kotak;s bad intention or some other reason to deny you the loan

Dear Jitendra,

You need to write to CIBIL authorities on [protected]@cibil.com alongwith the control no. of the credit report available with you in order to have a correct information.

ou may write me for any further assistance if required.

Thanking you.
Regards
Kumar Rajneesh
B.Com, M.B.A., L.L.B ( Sydney )
Head
INDIAN CONSULTANT GROUP
Finance & IT Consultant
(Specialisation in Banking Disputes & Grievances )
visit us : www.indianconsultantgroup.com

" Our Philosophy is to provide The Best Quality, Better Services at Lowest Cost. "

" Apology do not mean that you are right and the other is wrong...It means that the we value the relationship more than our igo."

My name is satinder pal singh son of S. Baghail singh house no.#87 new sular colony patiala(punjab) I have applied for credit card but it had rejected due my name is reflecting in CIBIL, due to my two wheeler loan which had closed.with noc letter as a proof . So please help me to remove my name from CIBIL .i wish to know how could i resolve the problem.my emil id is satinder.[protected]@gmail.com
ph no.[protected]

my name is Gangadhara Murthy.B. son of borlingaih sri bhyraveshwara prasanna 7th main 3rd cross vidya nagar tumkur. i havr applied for car loan but it was rejected due to my name s reflecting in cibil, it shows my member ID BN01061317. i wish to know how can i resolve the problem. my email id is [protected]@gmail.com
ph no: [protected]

Hi Manish,

I am going through same trauma. Be after CIBIL continuously. Write mails to [protected]@cibil.com mentioning the details, ur PAN, DOB, address and the 9 digit control no. from the bank where u have applied for a loan.

You will get a reply within 2-3 days mentioning which bank has entered this wrong info. Once you get this, start following up with the bank authorities to get this cleared. (This may take around 7 days, I am doing this currently)

I would suggest that simultaneously, start looking for some other sources for loan. Look for smaller banks, which are not a part of CIBIL.

Wish you get out of this mess soon.

Abhishek Iyer.

This is kasthuri from Trichy. i have little clarification about
CIBIL Report. Five years back, i applied personal loan in HDFC & Centurain Bank ( now attached to HDFC Bank. And i was settled the payment in the bank. Bank has given the confirmation letter & closure for the final payment. I had collected a No Due and closure letter from the respective banks and on the letters, it is mentioned that "Payment towards full & final settlement".and no pending payments..Recently, when i applied for a home loan, i came to know from the HDFC home loan department & Nationalised Bank that they have said that my name in CIBIL Report. When i saw the report given by the bank, the Personal Loan was still in due and they have sent to the cibil.

I went HDFC bank directly in person. they said that report were given by Bank. Bank said that they can not do any thing.. CIBIL only can do.this.. So pl help me .and tell me what i will have to do to get the name out of the defaulter list.

Closure reference:
1.PL.A/C.No.90821552 /2142F79273641 – then Centrurian Bank now attached to HDFC Bank.( Rs.75000) Final seetlemant done on 31.7.2009 – Settlement letter dt.31.7.2009

2. PL.A/C.No.1887972 –HDFC Bank.( Rs.80000) Final seetlemant done. Closure letter given by the bank on 18.7.2007

3. PL.A/C.No.[protected] –FULLERTON India Bank.( Rs105000) Final seetlemant done. On 26.3.2010 Closure letter given by the bank on 21.09.10 –confirmed that they having received the repayment of entire olan, interest & other charges due .

Pls tell me Regards,
G.Kasthuri
[protected]
D.O.B:30.01.1963
Pan No.AAPL1558Q
36/25 Kori mettu street
East Chinthamani,
trichy-620002

Yes I accept ..I had a Credit card long back..i was not able to pay my dues during recession..My name got into CIBIL defaulters and now even after settling the amount spent on the credit card..I Still cant get any loan from banks..?..How long would it take to change the status of a members CIBIL record afer repayment of dues..?

CIBIL has dirty business model...harass people and milk them in the name of CIR report...

Personal Loan — false report published

I never taken the personnal loan from any body or from bank or from credit card but on site of CIBIL shows personal loan in my name Rs. 1,60,000.00.

It is clearly forgery. I did not the name of bank or finance company.

the policly number OG[protected]-00000219
INSURANCE PLAN SURAKSHA
NAME HIMMAT SINGH CHHAJED


THE PERSONE IS PASS AWAY AT[protected] WE HAVE TAKEN A WAGNOR FINANCE WITH HDFC CAN WI GET INSORENCE CLAIM OR NOT

Credit Information Bureau (india)Ltd — Not issue credit report

I have submitted the request to give my credit report because one of my bank stop my loan application due to pending payment of my existing loan of before one year, but I had close that loan with forecloser option and paid the due amount.

Now I have send the application to CIBIL along with all the required document along with the payorder Rs142/- for getting my cerdit report on dated 11th may 2010. Still I do not receive any such report and even CIBIL office contact number also not answering.

I would like to ask that is this CIBIL also fraud to collecting money. How to contact them, please help me??

There is complete lack of professionalism at CIBIL. Measures should be taken to evaluate the worthiness of CIBIL itself first so that such cases will not emerge. Now the thing is CIBIL will easily pass on the blame to the Banks and their wrong reporting. Should not there be a mechanism where by for any wrong CIR data CIBIL with the concerned banks are charged a penalty and this penalty should go to sufferers like Mr. Saxena. What goes of CIBIL or the Banks when someone like Saxena's would be denied a Home Loan/Car Loan? Should not CIBIL be liable for this. Because this is caused by the incorrect data it is pumping out. If you are capturing the data and making money out of it you better be liable for it. Mr. Saxena please continue your fight. I hope the Consumer Forum will open its eyes to this issue soon and provides a quicker and effective solution.

yes this also happens with me >>

Pl file a complaint in Consumer court and make this orgnaisation liable.While banks are provideing unscrupolous loans to defaulting builders retails loan seekers are suffering due to wrong and uncredible CIBIL information
I believe the credibility of CIBIL will take a beating over time

First of all It's the stupidity on the part of financial institutions who without Looking into the facts and figures of the borrower and verivefication of loans directly from the lender believe and trust the reports published by CIBIL ;without any application of mind blindly believe the false and fake reports of CIBIL, which has no locas standi at all.
In my opinion CIBIL and The institutions trusting on the false reports of CIBIL should be draged to the court of Law and Penalised heavily so that CIBIL should also first verify the facts before publishing any credit reports of any individual d be answerable and responsible for their acts.
It's realy rediculus and disgusting and CIBIL should be sued for their negiligable acts in court
Mudit Sawhney

mulakh raj s/o bishna ram 202 gtb nagar jalandhar

Consumer : Karun Thapar
Member ID : BP03311017

Please give me the detail of fowling Credit Card or Accounts

1) Account

Member Name : Not Disclosed
Account Number : Not Disclosed
Type : Credit Card
Ownership : Individual

Dates
Opened :[protected]
Last Payment :[protected]
Reported :[protected]

Amount
High Credit : 11923
Current Balance : 11924
Overdue : 11924

Status
Written Off

2) Account

Member Name : Not Disclosed
Account Number : Not Disclosed

Dates
Opened :[protected]
Last Payment :[protected]

Amount
High Credit : 29162
Current Balance : 11550

Status
Written Off


Kindly provide me the full detail of these accounts at the earliest


Karun Thapar
M. No.[protected]
Email - [protected]@rediffmail.com

Updated wrong details against my name & profile
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 Bank of Maharashtra & they have rejected my personal loan, because of CIBIL have updated some wrong details against my profile. As I am applying for a home loan. in my account HIGH CR/SANC. AMT: 50, 000. CURRENT: 49, 110.OVERDUE: 3, 000. RECENT:[protected]. OLDEST:[protected]

MEMBER NAME: BOM
ACCOUNT NUMBER:[protected]
TYPE: BUSINESS LOAN - PRIORITY
SECTOR - OTHERS
OWNERSHIP: INDIVIDUAL
OPENED:[protected]
REPORTED AND CERTIFIED:
[protected]
PMT HIST START:[protected]
PMT HIST END:[protected]
SANCTIONED: 50, 000
CURRENT BALANCE: 49, 110
OVERDUE: 3, 000
Above information is wrong.

Thanks
suresh kumbhar

my PAN number is AEPPB8069M. I have ceared all loans except one housing loan Rs. 8, 00, 000/-, butnumber of entries of loans are shown in the credit information report, even I have paid all. Please provide coreect information. my email is "[protected]@gmail.com"and member id ;BN1047965

Dear Sir,

I am Ramesh kumar Mallah, pan No AAQPM4041B, i saw my CIBIL Information Report on 16/1/2012. vide member no. BPO3114899. there is some information very old that is resolved by me & banker pls. UPDATE my CIVIL Inforamtion as per my record is as below : -
1. I have neither any credit card nor balance of any bank related to credit card till now 16/1/2012.
2. no i have taken up to till housing loan from any bank
3. all of auto loan is not satisfactory pls. check its on yours end then disclosed/update

thank & regards
Ramesh Kumar
[protected]

I am John Dias, resident of H.No.356, GRAND PULWADDO, BENAULIM GOA.403716, &also Having Address :FLAT.NO.F1, BLDG RAZA ENCLAVE SIRVODEM SALCETTE, NAVELIM-GOA.403707, Pan No.AIKPD8747K, I saw CIBIL report On 23.01.2012 Vide Member No.BN01161769, In that Personnel Loan Of Rs.150000/-(07.02.2008) Wrongly Shown against My Profile in the report Which I have Not taken at all & For Information I had taken Only One Auto Loan Of Rs.640000/-Recently On 27.01.2011.
Please Clear the wrong entry & Update My Profile In CIBIL Report at Earliest.

Thanks
Waiting For Updated Report

John Dias

I have not Taken any type of loan from any Bank please rectify(Pan-BLSPS9245R)

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. so pl update right information in my name

Name : shantanu kumar sutar

Mail id : [protected]@ymail.com
cell : [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]

Dear Sir, Myself Neeraj Chawla S/O-Lt. B.L.Chawla R/O- A 119, Lohia Nagar, Ghaziabad (U.P.) with member ID BNO1045818, came to know through my bank- Bank of India, RDC Ghaziabad, that you are showing some OD A/c is lying pending. Also you are showing the same in the name of my elder brother Dheeraj Chawlawith member ID BNO1045818. As per best of my knowledge there are no Od A/c. in favour o[censored]s & we never have gone through the same.
Therefore you are kindly requested to either provide the details of the same or rectify the matter.
Kindly do the needful at earliest possible.

Thanking you

Neeraj Chawla