Credit Information Bureau India [CIBIL] — credit card report 16 dues which already zeroised

Address:

Cuttack, Odisha, 754134

My credit score report by SBi 520 due to credit card 16 default which I never used and after complain amount reversed and zerosised. In my civil score it comes 672 which SBI is not accepting. I avail only 50k personal loan and paying Emi but why score is so low.please take immediate action because my loan file is pending.During2014 by misguide of credit card reprentative I revived a credit card but not used pin no or withdraw single pie but after 2yrs while I. Check my civil it shows outstanding 4545 to pay. After complain it auto reversed.but till today it reflect my civil credibility.that card no-[protected] Ac no-[protected] disputeid[protected]