We have seen many cases whereby the consumer is under the impression that the credit card is closed but no so in the books of the financial institutions. Consumer is directly effected when this negativity is reported in CIBIL.
I work at Debt Doctor in Bangalore, we have resolved many such cases representing the consumer. If you like more details, you can contact me on firstname.lastname@example.org or 080-30732222.
Kiran (Debt Doctor)