Standard Chartered Bank — Error in CIBIL reporting

Address:

Mumbai City, Maharashtra

This was with reference to Standard Chartered Bank credit card # [protected] which was never used by me, issued around ten years back. This card was issued to me as a free credit card and was never informed me while issuing that annual fees are applicable after 1 year. As i was using other bank credit card during that period, this credit was never used by me. Suddently after one year of issuance, I had received a call from the bank to pay annual charges, at the same time I told very clearly that the same was not informed to me while issuing the card and i did not want to contiune this card and requested to cancel my card. After that, i had never received any credit card statement with charges outstanding or never received a call. I was under impression the matter has been sorted out and my card has been cancelled. But I was shocked to see that my cibil score had "written off" outstanding payments towards this card which was never used by me and was unaware of. Before that all these years, i had never received any mail/hard copy of Card Statement from Bank detailing any of outstanding or had never been communicated by Bank about any balances to be paid or any due amount against this card. Considering the above facts, I sincerely urge you to remove this record from my CIBIL report as i was the victim of misselling by bank. Looking forward to receive the positive revert from the bank.