This is PRAVEEN GANAPATHI DALAI. I've taken a home loan with your bank with no. LBMUM00001297332. The loan is repaid on time all instalments and in full and bank has also issued the certificate dated May 7, 2009 for the same. But bank put my name in the defaulter's list at CIBIL. Because of which my new loan application with IDBI has been cancelled. The Bank has unnecessary spoiled my creditworthiness by wrongly giving my name to CIBIL.

The mistake should be immediately rectified by the ICICI within 2 days and a confirmation letter to me. For any inaction, I need to go to consumer forum for the redressal.

Supporting documents are available.

Regards,
Praveen
09930268257

Dear Praveen,

Thanks for bringing it to our attention. We have made a note of your loan account number. Let us check this and we'll revert to you at the earliest.

Regards,
ICICI Customer Service Team.

Originally Posted by dgpraveen

This is PRAVEEN GANAPATHI DALAI. I've taken a home loan with your bank with no. LBMUM00001297332. The loan is repaid on time all instalments and in full and bank has also issued the certificate dated May 7, 2009 for the same. But bank put my name in the defaulter's list at CIBIL. Because of which my new loan application with IDBI has been cancelled. The Bank has unnecessary spoiled my creditworthiness by wrongly giving my name to CIBIL.

The mistake should be immediately rectified by the ICICI within 2 days and a confirmation letter to me. For any inaction, I need to go to consumer forum for the redressal.

Supporting documents are available.

Regards,
Praveen
09930268257

iam praveen reddy,i am having loan a/c in icici idont have any pending instalments but they send report to cibil bcz of this iam not gettin car loan in any other bank. iam not understanding how to approach.please give me idea
thank you
contact no 9246825181

Hi,

I got my report from CIBIL today. An auto loan is shown as overdue on my side. whereas the loan account has been settled on 23/01/2010. My loan a/c number is LAHIS00002365107. Please update why this discrepancy is there. I am being denied from further loans because of this.

Please update as soon as possible.

Vishal Gupta

I had availed of education loan (Account no: 2078651001897) from Canara Bank on 12/4/2006 under the Vidyasagar scheme from C.A. road branch, Nagpur. The loan has been serviced regularly with not a single EMI being missed. However, I have serious grievances regarding the same. Firstly, even though an amount of Rs6,91,000 was sanctioned, the same was never disbursed as I decided to use my own savings. Thus the principal disbursed was ~Rs4,80,000. However, recently, when I applied for a car loan from some other bank, the CIBIL report showed 2 education loans outstanding against my name. More serious is the fact that the outstanding amount was Rs13,82,000 i.e.two multiplied by the sanctioned amount of Rs6,91,000. This has caused my loan application being rejected.

Moreover, to my dismay, the interest rate being charged to me on this account @14%. When the loan was sanctioned, the interest rate was 11.75%. Although it is a floating rate of interest, the risk premium over the PLR cannot be changed unilaterally, thereby leading to my claim that I am being charged an attrocious rate of interest. My appeal is that the risk premium over the existing PLR should remain the same thereby resulting in an interest rate of 12.5% at present. The present rate of interest is giving a signal that by servicing my loan regularly I am subsidizing some defaulter's EMI.

I have already submitted a written application to the branch manager of C.A. Road branch 3 weeks ago and have not got any constructive response from his office even after personal visit and repeated telephone calls. Another application regarding the erronous reporting to CIBIL has been submitted today. However, since I did not get any acknowledgement which would be needed for proceeding to the ombudsman. Please guide in this regard.

Regards,
A very aggrevied customer,
Vedang V. Bakshi

Respected sir,
Good morning sir.
NAME : K.RAMESH
CIBIL ID NO. . : 449290727
PAN CARD NO. :APBPR5082B
MOBILE NO.. : 9841562334
EMAIL ID : Ashok Leyland | Indian Automobile Manufacturer

Iam working in ashokleyland at ennore.
my cibil report in addtionally CONSUMER LOAN its shown,that loan amount is Rs.1,00,000
start from 03/09/2009 to 05/10/10 till date going to shown,in my cibil report
Iam not take any CONSUMER LOAN, pls tell me sir why its shown this loan.
how it will happen ? iam not paid this loan EMI but, still going live in my cibil report so, i have loss to get personal loan. pls answer me sir


thanking you,

Regards,

K.RAMESH
9841562334
ennore

I received my CIBIL report today and was surprised to see that there were 4 ICICI Bank Credit cards mentioned in my name. However two of them didn't belong to me !

5176533770331004
4477478031887007

Among these 2, one of the cards had dues of 82,000 and because of which my CIBIL score was spoiled !

When I called up ICICI, all they told me that these cards belong to someone with a similar name and date of birth. Is this how ICICI sends it's customer's info to CIBIL !

Because of ICICI's fault for spoiling my CIBIL Score my loan application & over draft application with another bank was rejected. Who will compensate about all this harassment and mental stress I had to go through ?

If someone from ICICI bank is reading it, please take a note of it and improve your process so that others won't have to suffer.

Regards
Sarabjeet Singh
sarabjeet05@gmail.com
9741996009

Greetings!!!.....

I'm Mythily from INNOVISION FINANCIAL SERVICES.

We are a Legal Financial Advisers located in Chennai. Following are the services we render for the clients:

* CIBIL Report Obtaining
* CIBIL Report Clarifications / Rectifications
* Bank Debt Re-consolidation
* Bank Legal Problems
* Liasion for One Time Settelement with banks
* Deal with NPA Issues
* Handle DRT Cases


Note: We do not work for CIBIL or any government body. We are private Legal Advisers.

Contact Details:

Contact Person : Ms.Mythily
Office Name : INNOVISION SERVICES
Contact Number : 044-2031487
Mbl -9380167890
Email ID : innovisionfin@gmail.com

Dear Vishal,

If the issue with the auto loan status in cibil report is still persisting then i suggest you to take a copy of the payment Receipt and the closure letter and file a " ONLINE DISPUTE " in the CIBIL website. here is how you need to do.

Log on to cibil.com and go to DISPUTE RESOLUTION > CLICK on Raise an On-line dispute at the end of the page and fill the Online dispute form with your details and submit, You might get the Feedback mail from Cibil within 45days addressing the Issue.This is the First thing that you can try by yourself to solve your problem.
Its always good to have a check on your credit history and maintain your loan/credit card accounts with timely payments to avoid these kind of troubles in future. In case you need any professional help or advice for credit repair and updates you can always reach me via mail sujith@debtdoctorindia.com or call 080 30732216.

Originally Posted by vishalg_gupta

Hi,

I got my report from CIBIL today. An auto loan is shown as overdue on my side. whereas the loan account has been settled on 23/01/2010. My loan a/c number is LAHIS00002365107. Please update why this discrepancy is there. I am being denied from further loans because of this.

Please update as soon as possible.

Vishal Gupta

Dear Mr. Ramesh,

With ref. to your complain on board ; we would suggest you to get your CIR from CIBIL authorities [ You can visit on CIBIL | Credit Reports, Credit Scores and Risk Management Solutions for this.].As soon as you get your CIR in your hand [ Directly from CIBIL {Credit Information Bureau (India) Limite} ]; You will find clearly that which credit grantor has shared the dues details in your name.After that you write to its customer care department for making a note of this ; Based on which if at all that account do not belong to you in any manner ; after resolving the matter, the concern Credit Grantor will inform CIBIL to take the necessary action.Kindly note that CIBIL cannot modify any information in the database without the concerned member confirming the same.

There is an another way also for this '' Log on to CIBIL | Credit Reports, Credit Scores and Risk Management Solutions and go to DISPUTE RESOLUTION > CLICK on Raise an On-line dispute at the end of the page and fill the Online dispute form with your details and submit, You might get the Feedback mail from Cibil within 45days addressing the Issue.BUT THIS MAY BE A VERY LENGTHY PROCESS AS CIBIL is getting application through this section in lacs as per our sources information.

We are more than 100% sure that your matter will be resolved in an amicable manner on priority basis.

As we are an alliance of top innovated , oriented Ex-bankers and legal professionals and rendering our absolutely free ONLINE services and assistance into all kind of professional financial greivances . Please feel free to write us back on askus@indianconsultantgroup.com for any further assistance.

Thanking you.
All the Best.

Regards
Team
INDIAN CONSULTANT GROUP
Email : askus@indianconsultantgroup.com
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Originally Posted by Unregistered

Respected sir,
Good morning sir.
NAME : K.RAMESH
CIBIL ID NO. . : 449290727
PAN CARD NO. :APBPR5082B
MOBILE NO.. : 9841562334
EMAIL ID : Ashok Leyland | Indian Automobile Manufacturer

Iam working in ashokleyland at ennore.
my cibil report in addtionally CONSUMER LOAN its shown,that loan amount is Rs.1,00,000
start from 03/09/2009 to 05/10/10 till date going to shown,in my cibil report
Iam not take any CONSUMER LOAN, pls tell me sir why its shown this loan.
how it will happen ? iam not paid this loan EMI but, still going live in my cibil report so, i have loss to get personal loan. pls answer me sir


thanking you,

Regards,

K.RAMESH
9841562334
ennore