Credit Information Bureau India [CIBIL] — tata capital

Address:Hyderabad, Telangana, 500050

I had applied the personal loan from Tata capital.initially they had said the rio of 11% and it was negotiable..i had not given the approval of rio of 11%.with out acceptance of my approval loan was sanctioned. Now they are pressuring to take loan with rio of 11%.now they are blackmailing to reduce the my coil score to complaining to civil
Pl suggest
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I never taken any loan or credit card so how my name came as a defaulter.
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