Incred — Credit Score Damage

Address:	Unit No. 1203, 12th floor, B Wing, The Capital, Plot No. C - 70, G Block, Bandra - Kurla Complex Mumbai-400051 Maharashtra
Website:	incred.com

Loan A/c No.: DXMUM[protected] Incred
Contact Number : [protected]
PAN Number - AGTPA1169R

I had purchased an E Voucher of Amazon for Rs. 35, 000/- from Zest Money in March 2021. The E Voucher was financed by Incred. The EMIs were scheduled from April 2021 to December 2021 total 9 and I have paid all the EMIs on time and before time without any delay or overdue.

But in the month of February 2022 while checking my credit report it was showing an overdue of Rs. 833/- reported by InCred in the month of January. I immediately sent an email to Incred stating that it has been falsely reported by Incred and it must be corrected to which I received a reply stating that Zest Money has to correct it.

When I contacted Zest money they said that they will ask Incred to correct it. Whenever contacted Zest Money they give the same excuse that it would be resolved by Incred in few days time.

I am being played like a football by Zest Money and Incred. All my loan applications and credit limits are rejected. I had an emergency at home and I could not utilize my instant cash limit as it has been frozen due to Low Credit score in credit bureaus CRIF Highmark, Equifax, CIBIL and Experian.

Neither Incred is doing anything to correct their mistake and now they have stopped responding as well. I request you kindly take action immediately and ask them to compensate for the mistake on credit report and mental trauma which I am being facing.

If I had missed my emi or unpaid emi then these people would have taken recovery and legal actions against me and made my life hell. Now I expect action to be taken against them.