Credit Information Bureau India [CIBIL] Complaints & Reviews

Dear Sir/Mam,

Recently I have been applied for a loan in Tata AIG and all the formalities regarding the loan approval has already been finished but as because my name is showing in CIBIL defaulter list ,TATA AIG bank is asking for "No Objection Certificate" from CIBIL end to credit the loan to me.

Pls find the details of the loan regarding which my name is showing on the CIBIL defaulter list :

Bank -ICICI
Customer-Surjeet Singh
LOAN No.- LADEL[protected]
Loan Amt.- INR 462000
Loan Date: 17th Apr 2007

Details of assets Financed:
Vehicle Regn No.-RegdNum NA
Model: Esteem

Accordingly ICICI bank vide their letter no. ICICI/A/LADEL[protected] dated 30.03.2010 (copy attached) have confirmed that there are no dues pending against the said loan account.

I have already send this info to CIBIL that bank has already been issued " No Dues Certificate " to me in the same case but still CIBIL is saying that without getting the approval from concerned bank we can not change the info in our database.

I have also asked ICICI bank to provide the info to CIBIL so that CIBIL can remove my name from its defaulter list but ICICI bank executive is saying that bank has already issued you “No dues certificate" and only a customer can ask CIBIL to remove its name from defaulter list. Bank has no role to play in the CIBIL activities ( as per ICICI bank Executive).

Pls look into the matter and do the needful.

Sir,
The website http://www.cibil.com is giving wrong report. Due to which Bank of Baroda, Sec-29, NOIDA (UP) rejectd my application.

Pl. check CIR with the following data

Name : Sanjay Agrawal
PAN : AHIPA1458R

It will give you the wrong report with following information :

Name : Sanjay Agrawal
PAN : APUPA1129R
Voter : FVX8816845
Passport No. : NT29006

Banks do not sanction any loan without checking on this web site.
This web site should be close immly.
The phone nos.[protected], 61404300 are not attended by any operator

[protected]@gmail.com

are you guys crazy or ? gahde ke baache ? cibil is just the reporting agency of all the transactions which you avail on any loan or credit.

saalo agar time pe payment karoge to wo bhi dikhega - everyone who has availed a loan or a credit card has his name in cibil because the member bank has to report the transaction.

ullu saalo the problem arises when you DEFAULT time pe payment nahi kiya to wo reflect hoga he aur Cibil se naam nahi hat sakta gadhe ke baacho wo to kewal ye dekhati hai that you have availed a credit and what has been your performance.

if you payment history is good YOUR CIBIL report will show it as standard if you missed the payment of your card or loan has been SETTLED then it will show up as settled not closed.

If any of your credit card has been closed with suite filed by the bank then it will reflect as that only.

ARRE madhar chod pahle ek bank se dusre bank ko cheat karte rahte the aur aub aisa nahi hota to gaand phat rahi hai. saalo loan liya hai to time pe payment karo nahi to aur loan nahi milega.

aur cibil mai koi bhi default 7 sal ke pahlne nahi hatega

Dear Sir / Madam,

Bajaj Finance - Loans
I Pankaj B Patel from Ahmedabad.

Today i have applied personal loan in hdfc bank so my cibil report found as BAD Match , negative, due to written off ( WO ) case in Bajaj finance

But there is not any single cheuqe return during the my loan and there is not any issued during my consumer loan with bajaj finance,

Pls resolve this issue and i have attached my track record
It's wrong Report.

I had taken one Consumer loan ( Computer Loan ) from the Bajaj Financial Services in the month of[protected],

Proposal No. : 54546
Scheme : PC-LEASE/15%SD/24MNTS/S&A-2%/600
Invoice No. : NIPL/T[protected]
Termination Amt : 0
Termination Date : 04/12/2006

I have completed my loan in bajaj finance since[protected] .. and There is not any single cheque bounce in my track record will provide my track record attached in trail mail .


Customer Statement as on 18/01/2010
***********************************

Proposal No. : 54546 Date : 16/09/2004

Payment Details :
[protected]
[protected][protected][protected][protected][protected][protected][protected]
Srl. Inst. Cheque Cheque Cheque Amount Deposit Return Return DD/Cash DD/Cash <--- Penalty --->
No. No. Date Amount Deposited Date Date Count Paid Recd Date Total Paid Due Return Reason
[protected][protected][protected][protected][protected][protected][protected]
1. 1 1 15/10/2004 1,326 1,326 09/10/2004 27/10/2004 2 1,326 27/10/[protected] Insufficient Funds
2. 2 2 15/11/2004 1,326 1,326 08/11/2004
3. 3 3 15/12/2004 1,326 1,326 09/12/2004
4. 4 4 15/01/2005 1,326 1,326 08/01/2005
5. 5 5 15/02/2005 1,326 1,326 07/02/2005
6. 6 6 15/03/2005 1,326 1,326 07/03/2005
7. 7 7 15/04/2005 1,326 1,326 05/04/2005 16/04/2005 1 1,326 18/04/[protected] Insufficient Funds
8. 8 8 15/05/2005 1,326 1,326 06/05/2005 12/05/2005 1 1,326 18/05/2005 ECS Mandate Not Received
9. 9 9 15/06/2005 1,326 1,326 06/06/2005
10. 10 10 15/07/2005 1,326 1,326 08/07/2005
11. 11 11 15/08/2005 1,326 1,326 08/08/2005
12. 12 12 15/09/2005 1,326 1,326 06/09/2005
13. 13 13 15/10/2005 1,326 1,326 07/10/2005
14. 14 14 15/11/2005 1,326 1,326 07/11/2005
15. 15 15 15/12/2005 1,326 1,326 08/12/2005
16. 16 16 15/01/2006 1,326 1,326 09/01/2006
17. 17 17 15/02/2006 1,326 1,326 09/02/2006
18. 18 18 15/03/2006 1,326 1,326 08/03/2006
19. 19 19 15/04/2006 1,326 1,326 07/04/2006
20. 20 20 15/05/2006 1,326 1,326 09/05/2006
21. 21 21 15/06/2006 1,326 1,326 08/06/2006
22. 22 22 15/07/2006 1,326 1,326 08/07/2006
[protected][protected][protected][protected][protected][protected][protected]
( Contd.)


Payment Details :
[protected]
[protected][protected][protected][protected][protected][protected][protected]
Srl. Inst. Cheque Cheque Cheque Amount Deposit Return Return DD/Cash DD/Cash <--- Penalty --->
No. No. Date Amount Deposited Date Date Count Paid Recd Date Total Paid Due Return Reason
[protected][protected][protected][protected][protected][protected][protected]
23. 23 23 15/08/2006 1,326 1,326 08/08/2006
24. 24 24 15/09/2006 1,326 Not deposited 1,326 21/08/2006
[protected][protected][protected][protected][protected][protected][protected]
** Grand Total ============> 31,824 30,498 5,[protected]
[protected][protected][protected][protected][protected][protected][protected]


Error Message :
[protected]
** PDC deposited differs with Receivables as on today


[protected][protected][protected][protected][protected][protected][protected]
( BAFL : R162 - 18/01/2010 )

While CIBIL is good to protect the interest of lending institutions, it leaves a catastrophic effect of non assuming and gullible customers who have no malafide intentions. How can CIBIL justify its stand by seeking one way information from the lending institutions and not from the Customers. Does CIBIL question the information being received?

I have No Dues/Full and Final clearance letters from ICICI,HDFC,SBI,CITIBANK,SCB and HSBC and still find my name in the defaulters list of CIBIL. As a result, I am not able to enjoy Home Loans from IDBI or ICICI.

Who can help me?

1. I am Harpreet Singh from Kharagpur, West Begal. Recently I applied for auto loan from AXIS Bank , however my loan application was rejected citing the reason that I have an overdue of Rs 12,64807 as shown on my CIBIL credit information report. I have been told that overdues are due to two in number credit cards on my name, which actually I am not holding. Now, as per the CIBIL, these two cards have been issued by CITY BANK.

2. On getting the above information from the CIBIL report, I have intimated the bank about the discrepancy in my CIBIL report which is mentioned above. The bank has clarified via e-mail to me that they have not updated the subject information abt credit cards against my PAN card and the discrepancy is from CIBIL side. The confirmation mail fro citi bank reads:

Dear Mr. Singh,

This is with reference to your e-mail dated January 24, 2010 addressed to Head Customer Care.

We are concerned that your earlier contact with us did not elicit a satisfactory response. We regret the inconvenience caused

We understand that you do not have a Citibank credit card but your name is reported in the CIBIL with regard to the Overdue amount for the card ending 1003 and 4004.

Based on your complaint we have forwarded your query to the concerned unit and we confirm that we have not reported your pan card details in the CIBIL.


3. Further on this I ve reported this to Banking Ombudsman Kolkata. On this again I got confirmation from citi bank citing my request to BO Kolkata that the bank has not updated any info on my PAN card with CIBIL. The confimation mail reads

Dear Mr.Harpreet,

This is with reference to your e-mail dated January 25,2010 addressed to the Office of the Banking Ombudsman,Kolkata.

We understand from your complaint that you have raised concerns on your personal details reflecting in CIBIL (Credit Bureau of India Ltd) records against a card, held by one of our customers.

We would like to inform you that we have not shared your personal details with CIBIL, hence we request you to kindly contact CIBIL for further clarifications in this regard.
We would be glad to provide any further clarifications you may require.

Sincerely,

S.Lakshmi
Manager - Customer Care
4 On getting above confirmation I reported same to the CIBIL in first week of feb 10 but I am not getting any response from them, So I request you to advice me the future course of action to taken in this regard because now I want to sue the concerned parties as i am going through mental agony because this, as I am unable to get any financial help and now its been almost 4 months that I am running around because of no fault of mine.

Thanks
Regards
Harpreet Singh

I Jagdish M, S/O late MP Muddappa, PAN card no AGIPM5767G, is an Army Offr residing at #22, Type 3, NSG campus, Samalkha, Newdelhi-37, DOB 05 Mar 1968, Mob No [protected], I had applied for online Citibank credit card and recieved reply that i does not meet minimum credit criteria of CIBIL. whereas till date I have not taken a single credit card from any bank, and the only home loan which i have taken from IDBI bank , i have not missed a single EMI till date, I dont have any other loans against me. Then on what basis the CIBIL is determining my credit criteria, few bank agents from SBI, HSBC, ICICI etc had collected all my personal documents for issuing credit cards which i never received tilldate, does it mean that someone else has collected my credit card and misusing it, I request the CIBIL to please clarify the same and for no mistake of mine why should i suffer.

Dear Concerned,

I have sent a CIBIL report request through Indian Post in the last week of January 2010 along with filled form, ID & address proofs.

Payment details -

DD No. 873656 of Rs. 142 /-, drawn on The Bank of Rajasthan Ltd. payable at Mumbai


Till now I have not received my Credit report and on approaching them. I am told that there is a spelling difference in my address as per there records. Hence they denying my credit records


Also they have updated a passport number against my name in their records but I dont have a passport.

Best Regards
Amit Bhatnagar
A 51, Ordnance Apartments
H - Block, Vikas Puri
New Delhi 110018

[protected] /[protected]

PAN AJIPB6980F

DOB 11 Oct 1978

sir
i am ponpandian from chennai, last year i appled for home loan in sbi, sbi issue a cibil report i am a defaulter in consumer loan, and the report give i am a gurantor, this is wrong information i am not gurante to anybody, now i want details of who give complaint against me.

control number; 40,78,87,168

Dear Sir,

This is to bring to the notice of your august office that I,Rajeev Bajaj has been corrosponding with CIBIL since last february ref no 151465 regarding the report on my creditibility as I have been shown as a defaulter on my credit card payment(which has already been settled with the respective banks as well as the banks have issued the letters of no dues).
I have requested CIBIL to just send me the information as I have to avail study loan for my only son(he has already lost his first semester due to the delay),but there seems to be no response what so ever regarding the same.
You are kindly requested to help me getting the information as if the required fees is not paid then my son will become over age and will not be able to obtain his degree.

Thanking you in great anticipation,

With warm regards,

Rajeev

I am Tanaji Namdeo Chavan s/o Namdeo Dyanu Chavan PAN No. ACJPC5711F residing at B-202 Neel Srushti Sector-4 New Panvel (E) Navi Mumbai 410206. I have applied for home loan from IDBI Bank. Idbi has not processed my application stating that some default is indicated in CIBIL report under address A/p Reda Tal Indapur Dist Pune. This address is not all concerned with me. It is understood from CIBIL that ICICI bank has reported the default in my name. I enquired at A/p Rada tal Indapur and found that there is a person who has same name & date of birth like me and he has taken loan from ICICI bank. I have collected the copies of documents from ICICI customer regarding ID, Residential (PAN -newly issued) and Loan proof. I am requesting ICICI bank to inform CIBIL the genuine information to CIBIL in order to delete the wrong entry from my name. However, ICICI Bank is not accepting my verbal request or written application (with documentary evidence) stating that they can not deal with me as I am not their customer.
It is very essential to get my home loan sanctioned to complete the sale transanction. I am being harrassed by ICICI Bank & CIBIL by doing wrong entry in my name and not correcting it.
I hold both ICICI Bank & CIBIL responsible for harrassment & consequences.

Dear sir,

My self Rishipal sharma , residence of D-33, Delta-1 greater noida.
used the credit card of ICICi bank , CITI Bank, & Two wheeler loan with HDFC bank. Due to bank miss comnucation between bank excautive not paid amount to bank.
Now, I have diposited the money which mmautuly aggred by bank.
I have all NOC which recived from all bank which mention above.

Kindly request you to plz Change ( update ) my cibil report so that we can end of the uncessory tention.

Thanks

Rishipal Sharma

Reminder 3


Wrong statement of accounts in my cibil report

Please refer my earlier complaint dated 6-3-2010 and dated[protected] on above subject . It is regretted first you created ERRONEOUS report which resulted in unnecessary delay in processing my home loan and then You have failed to respond to my complaint so far not even the acknowledgement has been received by me .the damages I had to pay for your irresponsible and callous concocted report Once again I request you to withdraw this bogus report of erroneous acounts and immediately inform me and my bank . My member ID mentioned in your CIBIL report is HL BS00014156 member reference number is HL1686. control number[protected]

My Pan no is BBDPS0512A
Arun kumar Saxena

I applied for a loan,the bank told me that I have some default in my report.Itold them that it is impossible..They told me about one home loan which I never taken.The bank gave me one control number and told me to go to cibil office to correct my report.When I reached cibil office ,I was surprised by the office luxury and wonder that where they are getting this money to run a office in Nariman point.Anyway I met with the executive and told them my story.They told me I have to apply by post and pay Rs 142 only to get my report.Then I have to find out which bank reported wrong ,then I have to go to that bank for correction,for which bank I donot know anything.Then it will be corrected after 3 months.

So I applied in a co-operative bank and I got loan in one week.

I am an NRI and my salary is about 4 lacs per month.I got my loan,my bank got a good customer ,because I transferred all my deposits,investments to co-operative bank.
Only the looser is,the banks who fooled by fictious reports.


Now I want to explain the operation.as I think by my experience and harrasment-

There are 20 million records in cibil database.If they put wrong information for 10 million also,so calculate 10 million multiplied by 142 rupees.

And for the banks,just put randomly their non performing assets to many customers who they don't know,straightway their balance sheet will be balanced.

Many people,whom I donot know approached me that they can remove my details from cibil report by paying 20000 only,but I never tried..

May bbe I am luckky,,but for the people,who is harrassed by cibil should make one forum.

I am confused,but need some solutions.pllease write

Dear Sir/Madam,

I have applied for Housing loan LIC, during the process i recd an information that my CIBIL report reflects some unknown credit card with huge outstanding. So the Loan was stopped.

I requested CIBIL to give me the Fresh report, wherein i have recd with the same discrepancy as reported by LIC.

I Enquired the 2 banks which has wrongly updated my account in CIBIL.

HSBC Bank & ICICI Bank, Both the banks orally (phone banking)admitted that the shown Credit card account in CIBIL doesnot relate to me. But not have send a correction mail or Letter to CIBIL to update the records.

This process has been more than 2 months, till now no one has taken concrete action to update my records.

This has totally affected my loan process, & my Builders has already informed to charges 10% Interest charge on the amount to be paid by the Loan. If iam not paying the amount before end of this week, I may loose the property & the advance amount which i have paid to Builder.

So, This is an serious issues as far as iam concerned, I need the report to be cleared immediately.

All the 3 organization has to pay the compensation - HSBC, ICICI, CIBIL.

CIBIL - has no right to store wrong information about me, & no right to declare the same to other entity.
HSBC & ICICI - Has to shoulder the responsbility of providing the wrong information in the CIBIL database & therby stopping my loan process.

I need concrete action on the 3 organization.

Regards,

Justin
[protected]

CIR required for DD No.: 553860

Dear Sir/Madam,

I had enclosed a duly filled application for along with DD payable in Mumbai worth Rs 142 to get my CIR and posted along with Registered A.D from Bangalore on dated:17-Feb-2010.

I am still waiting for my CIR to be delivered and didn't get any acknowledgement of delivery so far.

My details are as under:

Name: Sandeep Kumar
PAN: ATDPK8166B
DD No.: 553860 Favouring CREDIT INFORMATION BUREAU INDIA LIMITED
PostalDate: 17-Feb-2010 from Bangalore.

Could you please send me the CIR as per the above furnished details asap.

Regards,
Sandeep
[protected]

Hopefully, Finally some relief to Credit cards holders who did the settlement on their dues with the bank.
It's good decision by RBI.

Please follow the below link to Times of India (e-paper) for 24th Feb 2010.

http://epaper.timesofindia.com/Default/Client.asp?Daily=TOIBG&showST=true&am...⇄

Go to page-15.

Thanks to RBI.
Regards,
Sandeep

Sir,
I , Ashok Kumar Koul S/O Sh Janki Nath Koul R/o 360,Lower Laxmi-Nagar,Sarwal Jammu(J&K) having PAN CARD No. ADKPK3206H have applied for the housing loan to Punjab National Bank but same was rejected on the gorunds that I have been declared as defaulter on the reports of CIBIL. The CIBIL has told them that the official as mentioned herein has already taken personal loan and housing loan in 2001 & 2003 respectively which is quite surprising as I have not taken any loan. More over CIBIL has mentioned that the said person is defaulter in credit card also. It is worth to be mentioned that I have not taken any Credit card till date. As such it is quite surprising as what type of information is being provided by CIBIL.
It is therefore , informed that the detailed information in respect of the Loans and from which Bank they have been drawn with all relevant details be provided through the email only so that appropriate action can be taken and the matter can be solved at the earliest.
Regards,
Ashok Kumar Koul

Dear Sir,

I am working as teacher in Govt. school; I have applied for loan with SBI badli branch. They rejected my case due to some cibil problem, according to them there is one loan is running with one of the financier but that loan doesn't belong to me. For confirmation of that loan I have approach to the cibil by mail, they demand some charges accordingly I have made the DD and courier that DD to them. They confirmed me that they will give me the details within 3-5 days. But it's been more than two months I haven't received any mail or call from them, when I had mailed them they even doesn’t bothered to response to that. Finally I have to come to this step, for your knowledge I have paste the sent mail below.
Dear Sir/Madam,

With reference to your mail, we would like to inform you that it takes 4-5 business days inorder to process your request and you shall receive the copy of your credit information report within 5-7 business days post clearance of your demand draft.

Thank you.

Regards
Consumer Relations

Ps: Effective September 01, 2009 our consumer relations assistance number has been changed to[protected].

This document is classified as : (-) Public (-) Internal (X) Private (-) Departmental (-) Confidential

>[protected] Original Message[protected]
> From: bala.[protected]@gmail.com
> Sent: 30-Nov-09
> To: [protected]@cibil.com
> CC:
> Subject: information about loan

I have already requested to give my loan status nd also i have send my
documents nd demand draft in the favour of credit information bureau p.o.
box 17, mumbai on 10/09/09.
but their is no response from your side, because of this problem i'm unable
to avail personal loan from S.B.I,badli, delhi-110042.
i'm suffering from this problem from september..
plz do needful




This document is classified as : Private
Reply Forward

geeta balapls tel me ur no. so that i can clear my queries nd i hav send all my informa...
12/1/09

geeta balaLoading...12/1/09


Reply |geeta bala to info
show details 12/1/09

pls tel me ur no. so that i can clear my queries nd i hav send all my information 2 mnths ago including demand draft.. nd i hav got no results from ur side...


Reply Forward


Reply |geeta bala to info
show details Feb 1 (4 days ago)




On Tue, Dec 1, 2009 at 9:39 PM, geeta bala <bala.[protected]@gmail.com> wrote:

pls tel me ur no. so that i can clear my queries nd i hav send all my information 2 mnths ago including demand draft.. nd i hav got no results from ur side...



Dear sir,

It's been more than a month that i had send you the required documents along with the DD as required by you. But i have not received any further comunication.
Now it is not the matter of loan it is about my credibility. I have not taken any loan which is showing into my credit history with you, if you have any details which was given to me by SBI that a loan reflecting into my cibil which is not belongs to me, please give me the details otherwise remove that loan from my cibil.

Looking for a fast resolution from your side within a stipulated time, because previously you had given me 5 days time but i have not received any mail or call from your side. I think you are into service industry and you people are representing a good company.

Please look into the matter.

Thanks & Regards,

Geeta Bala

SIR.
I MR. WAMAN MAHADEV SANGLE HAVING PAN NO. ADRPS7954F AND HAVING MEMBER ID HF63071057. HAD APPLIED FOR HOME LOAN AT HDFC BANK AND HAVE GOT THE CIBIL REPORT OF MINE FROM THEM SHOWING SOME INFORMATION THAT IS INCORRECT AND UNKNOWN TO ME.

1. GUARANTOR FOR LOAN OF 50000/- TAKEN ON[protected], AND SHOWING OVERDUE IN THE SAME. OF RS 34058/-

2. GUARANTOR FOR ANOTHER LOAN OF RS 50000/- TAKEN ON 31.03.2003. SHOWING OVERDUE RS 12736/-.

3. GUARANTOR FOR CONSUMER LOAN AMOUNTING TO RS100000/-. OUTSTANDING RS 89322/-.

4. GUARANTOR FOR HOUSING AMOUNTING TO RS 125000/- TAKEN ON 24.02.2004.

THESE ARE THE ENTRIES IN MY ACCOUNT WHICH ARE UNKNOWN TO ME, THE OTHERS ARE ACCEPTED LIKE THE CREDIT CARD OUTSTANDING AND HOUSING LOAN OF CITIBANK.
WOULD WANT YOU TO LOOK INTO THE MATTER AND EXPECT THE FEEDBACK AT THE EARLIEST, AND IF THE INFORMATION STANDS ACCURATE WOULD WANT THE DETAILS OF THOSE WHICH STAND CORRECT, ...
THIS IS FOR YOUR INFORMATION.

REGARDS.
WAMAN MAHADEV SANGLE
PAN NO. ADRPS7954F
AD. A-304 ARCHIS CHS,
OAK BAUG NEW STATION ROAD,
KALYAN WEST. DIST- THANE.421301.
MOB- [protected].