Credit Information Bureau India [CIBIL] — false information provided to lending bank

Mukesh17

from Mangalore, Karnataka

Address:	Mumbai City, Maharashtra
Website:	www.cibil.com

I've applied for loan with hdfc credila and i got a call from them today suggesting that i had taken a loan for amount 1 lakh in 2002 and i delayed the payments and the account got closed sometime in[protected] timeframe.

This is entirely false as loan application to hdfc credila is the first formal loan application i've made. Now, bank in question is asking me questions on the same.

As far as i'm concerned, i've not authorized anybody to share my account information to anyone. Neither have i taken a loan in past on which i may have defaulted.

Necessary actions need to be taken on cibil for providing false information thus resulting in defamation.

Further, there's an option in cibil to view your score online where you must select a checkbox 'accept terms and conditions'. If you click the link 'terms and conditions', the next page 'https://www.cibil.com/terms-and-conditions' that opens up says 'page not found' and 'we all get off course sometimes' (Refer screenshot). Essentially this means that they can dictate terms and conditions as they want if the user blindly selects the checkbox. They say they are authorized by rbi and such an organization can go 'off course'? They cannot manage their website properly and they are pretending to manage the credit scores of millions of indians?

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Credit Information Bureau India [CIBIL] customer support has been notified about the posted complaint.

Nov 20, 2017

Updated by Mukesh17 Minor correction in my complaint above. I had applied for a 2 wheeler loan earlier which was repaid within stipulated time.

Nov 21, 2017

Updated by Mukesh17 Communication sent to CIBIL today:

I applied for loan with HDFC credila and they called me up to inform that CIBIL report suggests that I had earlier taken a loan in 2002 the payment of which was delayed and the account was closed in[protected]. This is false in entirety and I had not taken any such loan.

Please provide details of the said loan so I may take up with the concerned bank. Further, please provide the information on who has authorized CIBIL to collect this information on me. As far as I remember, I've not explicitly authorized CIBIL or any of the banks I deal with to share my financial information with any third party. I'll appreciate if the concerns are addressed sooner because if there's a delay in me getting a loan, I'll hold CIBIL responsible for same.

Just for your information, the consumer helpline number provided on your website is 'busy all the time' and I've tried to call on that number several times in last few days.