HDB Financial Services — rejection of personal loan after cibil inquiry on the basis of tenure of stay at current address

Address:

400065

I had applied for the personal loan from HDB Financial Services last week.
I had been asked for many details (list is mentioned below) and also was asked to submit the documents, i had done all that.

Apart from documentation I they had requested below mentioned details:

Name :
Mother Name :
Wife/Husband’s name :
Address : (present) :
Address (Permanent):
Mobile :
Personal email id:
Education :
Marital Status :
No. Of Dependents :
No of years at Current Residence: 4 months
No of years at Permanent Residence: 20 years
No of years at Current City: 4 months
No of years at Permanent Residence City: 20 years
Company full name :
Office address :
Office landline no:
Official/ company email id :
Designation :
Total years in current job:
Total work experience :
Two references 1 friend and 1 relative must not be blood relative with their name, mob no, and full address

As per the requirement i had submitted all the details with the ones mentioned above, about the tenure of stay at the current residence.

After this they started the process and had raised 2 queries on CIBIL.

After everything is done, today i had called them for the status at that time i got to know that the case was rejected on the basis of not fulfilling the need of tenure of minimum 1 year at the current residence.

If that's the case, why did you not reject at the details level. Why do you need to raise a query on CIBIL. Now as this is done for, the negative impact will be seen on my CIBIL now-on wards.

Every Query and Rejection on CIBIL impacts a lot on CIBIL Score. It takes months to develop a good score and these mistakes from the Financial Services ruins it.

I need to get this resolved by removing the queries and rejections from the CIBIL as this was not the mistake from my side and this was mistake from the HDB that too was to be recognized before the inquiry to CIBIL.