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Visufin — Reducing cibil score without taking loan

My name is Ananth, my pan number (AIZPN3210C). Sir my cibil score was dropped due to non payment of my emi of loan taken by visufin, it was showing outstanding is there in your account but I never had any loan from visufin but is was showing in my account for a payment of Rs 18000. It was impacting my cibil score. So kindly needful help to solve this issue
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