Flipkart — Reduction in Credit Score

Address:

Flipkart Internet Private Limited, Buildings Alyssa, Begonia & Clove Embassy Tech Village, Outer Ring Road, Devarabeesanahalli Village, Bengaluru,

I had used Flipkart Paylater in month of November, 2021, last date of its payment was 5th of December, 2021. However, i paid the minimum due amount, as on the due date, that is on 5th of December, 2021. After sometime, while applying for loan it came to my knowledge that Flipkart which has tie up with IDFC Bank for its Paylater has shown my payment as overdue with an amount of Rs. 3545 along with Delayed payment. I have raised the concern thrice with Flipkart, however, no positive response has been received. Every time they say that it will be dealt, however, no response ever received.

My CIBIL & Experian score has fallen sharply due to this, due to which my loan application was rejected and moved to private lender, which was charging high interest rates. This has resulted in mental harm, harassment and has also affected my reputation.