Credit Information Bureau India [CIBIL] — cibil blindly follows customers report submitted by bank, which is never authenticated by cibil as it should be checked with customers as well.

I have been fighting against fraud, cheating and mislead/misguide customers from few banks and the latest one is icici bank, against which have filed suit in rbi with all the proofs of their cheating and threatening customers over their mistakes.
I am not writing any bank issues here as this complaint it against cibil, as they never bother to check why the customer is not paying? Or why the customers emis getting bounced? What is the reason why customer is not paying credit card? Is there any issue from bank or else?
Cibil blindly follows bank reports against customers, which are 90% wrong as bank never mentioned the original issue while submitting report to cibil.in brief, my issues 1) sold credit card by misguiding (Proof submitted to icici and rbi, 2) false credit card statements online banking as well as over mail (Proof submitted to icici and rbi.) 3) without asking customers, given emi dates and when it gets bounce customers are at fault. (Proof submitted to icici and rbi.) 4) threatening customers over their mistake of giving wrong emi dates and then torturing customers and their family.
Now till the time above mentioned reasons are getting solved by rbi, as per bank report cibil has put me into defaulter list. This happens to all customers because of getting threatened by banks to put their names in defaulter list, not a single customer tried to complaint against any bank. Same happens with sbi, standard chartered (Details can be shared over email.) all are just threatening customers to earn money in wrong way.
Now from the day i have submitted complaint to rbi and stopped paying all emis, they have put me in defaulters list. Because of which i am not able to get any kind of loan and my reputation with all banks has gone down as soon as they check my cibil, which was clearly intentionally created by icici bank as well as other banks.
I am not complaining against only for myself, as if i stop here and do as they wants then they will never stop cheating and threatening customers. I just want the answer for my complaint that who has given cibil authority to put any indian citizen in defaulters list? As banks never present to correct report to cibil, so cibil has no right to devalue any citizen without third party authentication, which involves details discussion degrading someone or call defaulter.