I am Amit Gupta and I am doing my Banking with ICICI Bank from last 4 years. Recently I thought to purchase new Car so I booked new Tata Manza car and applied for Car Loan of 3.5 Lakhs from HDFC Bank .

While HDFC Bank was doing verification from CIBIL they told me that I am having overdue of 23,000 for some credit card (They didnt told me card number or Bank's name). As I was doing all my banking from ICICI and I am having only ICICI credit card ,so I enquired with ICICI credit card division twice if I am having any due(as I always paid my credit card bill on time) ,they also told "sir you dont have any due ,your credit card report is positive from our side" .

So I told HDFC Bank that your facts are wrong and I don't have any overdue but they said they cant give me loan as my CIBIL report is negative. so I enquired with CIBIL person on phone as well as on email but no one replied but after several follow-up on email I got response from CIBIL that I need to submit a draft of Rs. 142 and post it to Mumbai then only they will tell me my status .Finally my loan got cancelled from HDFC Bank.

So I have no other option other than to apply Car loan from ICICI Bank with higher Interest rate as I was not left with any choice. Finally I applied loan with ICICI Bank and they also refused me to give loan because of my negative CIBIL report .ICICI Bank person told me that credit card number on which I was marked as defaulter ,to my surprise that card was of ICICI Bank only.Again I called ICICI Bank Customer to ask about any due on me and finally they told me that disputed card number belongs to some Amit Gupta(same as my name) but his address and mother's name is different.

Now I felt cheated as my credit report was supposed to be very good but because of this hell created by ICICI and CIBIL nobody was giving loan to me.

Because of this I got so much frustrated as no one is to guide but everyone is blindly following CIBIL. RBI must need to take care of this issue as well ,"why CIBIL is working with out proper infrastructure" ,they not even having online credit report system and some how they became central authority for credit check.
As I gone through various website regarding this matter ,I came to know that I am not the only one who is suffering .They are illogically publishing wrong credit report and in turn they are spoiling status of person and reputation in society .So I want you to take immediate action against reposible person so that this never happen again with some one else in society.

Hello,

We have gone through your complaint, we can guide you after knowing the CBIL report and if the fault is of ICICI or any other bank then you have strong reason to drag them to the Consumer Forum.

Originally Posted by admin

Hello,

We have gone through your complaint, we can guide you after knowing the CBIL report and if the fault is of ICICI or any other bank then you have strong reason to drag them to the Consumer Forum.

Thank you for response ,please tell me How can I reach you .
Regards,
amit
Amitgupta123@gmail.com

Hello,

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