Originally Posted by bonisri

Hi,

I have applied for Housing loan in IDBI Bank, during the process i recieved an information that my CIBIL report reflects some unknown loans with huge outstanding. So the Loan was stopped.

I requested CIBIL to give me the Fresh report, wherein i have recieved with the same discrepancy as reported by IDBI Bank.


I enquired the 3 banks and 1 finance firm which has wrongly updated my account in CIBIL with other person details whose name and date of birth matches with mine.Only details pertaining two credit cards of Duetsche and HSBC were reflecting correctly.


ICICI Bank, AXIS Bank,HDFC Bank and Sundaram Finance orally (phone banking)admitted that the shown Credit card account in CIBIL doesnot relate to me. But not have send a correction mail or Letter to CIBIL to update the records. After follow up ICICI Bank came up saying it has been rectified in CIBIL (orally)

This process has been more than 2 months, I was informed by CIBIL it will take another 30 days. This has totally affected my loan process and finally got a mail saying that discrepencies have been removed from my report.

I have paid amount worth 5 lakhs to the land owner and for the remaining amount i have applied for the loan thinking it would not be a problem. To my surprise there was lot of problem with CIBIL report discrepency which i was not aware. Now my money is stuck up with the land owner which he is not ready to pay. So i had to take credit from friends and finally got the land.

But what i want to make a point here is without my knowledge CIBIL has updated wrong entries due to which i have incurred a huge loss by paying interest rate for the remaining amount which i paid to landowner.

So please help me out on how to file a case against CIBIL for such kind of act.

Recently i have requested CIBIL for a fresh report and aslo sent the required documents by speedpost and details show that it has been delivered to CIBIL office. when i call up the CIBIL customer care they say we have not recieved your documents.I don't understand why bank's take CIBIL report into consideration if their system itself is not perfect.

Please help me out with this situation, i got fed up with CIBIL.I have all the mail proof's sent to banks and CIBIL.

Srikanth

Dear Mr Srikanth,

We apologize for the inconvenience caused due to the matter and would like to investigate this matter further. We request you to write to talktous@hdfcbank.com with your contact details, the loan account number(that appears in CIBIL) along with the reference ID TTU00148322122010. A bank representative will investigate the matter and get in touch with you as soon as we receive this information.

Regards, Customer Assistance, HDFC Bank

Dear Shrikanth,

Please assist us with your contact details at care@icicibank.com and we shall get in touch with you for further action. Kindly refer "971825" in the subject line.

Regards,
ICICI Bank Customer Service Team.

Originally Posted by bonisri

Hi,

I have applied for Housing loan in IDBI Bank, during the process i recieved an information that my CIBIL report reflects some unknown loans with huge outstanding. So the Loan was stopped.

I requested CIBIL to give me the Fresh report, wherein i have recieved with the same discrepancy as reported by IDBI Bank.


I enquired the 3 banks and 1 finance firm which has wrongly updated my account in CIBIL with other person details whose name and date of birth matches with mine.Only details pertaining two credit cards of Duetsche and HSBC were reflecting correctly.


ICICI Bank, AXIS Bank,HDFC Bank and Sundaram Finance orally (phone banking)admitted that the shown Credit card account in CIBIL doesnot relate to me. But not have send a correction mail or Letter to CIBIL to update the records. After follow up ICICI Bank came up saying it has been rectified in CIBIL (orally)

This process has been more than 2 months, I was informed by CIBIL it will take another 30 days. This has totally affected my loan process and finally got a mail saying that discrepencies have been removed from my report.

I have paid amount worth 5 lakhs to the land owner and for the remaining amount i have applied for the loan thinking it would not be a problem. To my surprise there was lot of problem with CIBIL report discrepency which i was not aware. Now my money is stuck up with the land owner which he is not ready to pay. So i had to take credit from friends and finally got the land.

But what i want to make a point here is without my knowledge CIBIL has updated wrong entries due to which i have incurred a huge loss by paying interest rate for the remaining amount which i paid to landowner.

So please help me out on how to file a case against CIBIL for such kind of act.

Recently i have requested CIBIL for a fresh report and aslo sent the required documents by speedpost and details show that it has been delivered to CIBIL office. when i call up the CIBIL customer care they say we have not recieved your documents.I don't understand why bank's take CIBIL report into consideration if their system itself is not perfect.

Please help me out with this situation, i got fed up with CIBIL.I have all the mail proof's sent to banks and CIBIL.

Srikanth

Dear customer,

Just a reminder that we still haven’t heard from you. Request you to write to us at talktous@hdfcbank.com with your contact details, the loan account number(that appears in CIBIL) along with the reference id TTU00148322122010, so we may help resolve this matter at the earliest.

Regards, Customer Assistance, HDFC Bank