CIBIL
CIBIL DISPUTE

Dear Sir,

I have applied for the Home Loan from Axis bank which is kept on hold due to CIBIL dispute. Trailling letter written to CIBIL is self explanatory.

I am suffering for more than a month because of CIBIL dispute and till date I haven't received any clarification from CIBIL. I have also requested to CIBIL for my credit information report, but they are not able to send me the same as there is some mismatch in the name against my PAN no. in the CIBIL records.

Kindly guide & advise me accordingly so as to resolve the matter at the earliest and my loan get processed.

TO DATE: 05.08.2011

CREDIT INFORMATION BUREAU (INDIA) LTD.

NARIMON POINT, MUMBAI.

SUB: Re: Control No. 491421088, Dtd : 04.08.2011 – Dispute Resolution

Dear Sir,

With reference to the above control no. 491421088 I would like to inform you that the data entered in your records is absolutely wrong and not at all matches with my profile. The dispute details are as follows:-

Ø The name entered into your records is Mr. S.Balakrishnan and my name is Mr. S.Krishnan

Ø The date of birth entered is 22.08.1980, while my date of birth is 27.08.1980.

Ø The PAN card no. Of the undersigned is AARPI6907K.

Ø There are also some Persons loans reflecting in my report which I would again like to inform you that I have never approached to any bank for any Personal loan in my last 10 yrs.

Sl No.

Description / Type of Loan

Open Date

Loan Amt.

Current Outstanding

Remarks

01

Consumer Loan

29.02.2008

31, 500/-

18, 375/-

In the name of Mr. S.Balakrishnan

02

OMPL (Personal Loan)

26.11.2007

1, 46, 175/-

2, 21, 305/-

In the name of Mr. S.Balakrishnan

03

OMPL (Personal Loan)

05.12.2006

75, 000/-

55, 377/-

In the name of Mr. S.Balakrishnan

04

OMPL (Personal Loan)

23.11.2006

90, 000/-

75, 230/-

In the name of Mr. S.Balakrishnan

05

OMPL (Personal Loan)

09.07.2004

46, 900/-

2, 416/-

In the name of Mr. S.Balakrishnan

06

OMPL (Personal Loan)

13.06.2007

2, 13, 067/-

0

In the name of Mr. S.Balakrishnan

07

OMPL (Personal Loan)

28.08.2006

1, 25, 000/-

0

In the name of Mr. S.Balakrishnan

08

OMPL (Personal Loan)

10.07.2004

1135/-

0

In the name of Mr. S.Balakrishnan

Ø There are also some Credit Cards reflecting in my report which I would again like to inform you that the information provided is totally wrong.

Ø List of Credit Cards available with the Undersigned (Mr. S.Krishnan.)

SL No.

Credit Card Issuing Bank

Credit Card No.

Credit Limit

Current Outstanding

01

HDFC Bank

4617862000638635

2, 18, 000/-

648/-

02

HSBC Bank

4384599985981736

62, 000/-

2, 190/-

03

ICICI Bank

5176533925567007

72, 000/-

0.00/-

04

Kotak Mahindra Bank

4166461300752165

25, 000/-

0.00/-

Ø List of Credit Cards as per CIBIL Control No. 491421088 dtd. 04.08.2011 against Mr. S.Balakrishnan, which is wrongly punched against my PAN Card No. AARPI6907K, which is in the name of Mr. S.Krishnan i.e. myself.

Sl NO.

Open Date

Sanction Amt

Current Outstanding

Remarks

01

05.08.2007

76, 924/-

76, 924/-

In the name of Mr. S.Balakrishnan

02

08.03.2007

1, 08, 252/-

1, 08, 252/-

In the name of Mr. S.Balakrishnan

03

22.12.2006

68, 742/-

68, 742/-

In the name of Mr. S.Balakrishnan

04

30.10.2006

4, 43, 415/-

4, 43, 415/-

In the name of Mr. S.Balakrishnan

05

22.05.2006

78, 481/-

78, 481/-

In the name of Mr. S.Balakrishnan

06

08.11.2005

37, 040/-

37, 040/-

In the name of Mr. S.Balakrishnan

07

20.08.2007

90, 888/-

0.00/-

In the name of Mr. S.Balakrishnan

08

15.07.2006

50, 982/-

22, 420/-

In the name of Mr. S.Balakrishnan

09

09.05.2005

25, 418/-

5, 112/-

In the name of Mr. S.Balakrishnan

10

23.11.2006

1, 22, 175/-

1, 22, 175/-

In the name of Mr. S.Balakrishnan

11

24.11.2005

71, 955/-

20, 577/-

In the name of Mr. S.Balakrishnan

12

08.07.2008

1, 12, 485/-

6, 137/-

In the name of Mr. S.Balakrishnan

13

17.06.2005

25, 418/-

641/-

In the name of Mr. S.Balakrishnan

14

30.11.2006

74, 896/-

22, 377/-

In the name of Mr. S.Balakrishnan

15

09.01.2006

4, 31, 129/-

4, 31, 129/-

In the name of Mr. S.Balakrishnan

Ø List of Enquiries reflecting against the CIBIL Control No. 491421088 dtd . 04.08.2011. All these enquiries are done by Mr. S.Balakrishnan, but wrongly punched against my PAN card No. AARPI6907K.

SL No.

Type of Enquiry

Date

Remarks

01

Credit Card

10.11.2009

For Credit Limit 10, 000/-

02

Credit Card

10.11.2009

For Credit Limit 5, 00, 000/-

03

Loan against Share & security

04.04.2009

Loan Amt – 10, 000/-

04

Credit Card

13.02.2009

For Credit Limit 1, 00, 000/-

05

Credit card

05.02.2009

For Credit Limit 50, 000/-

06

Auto Loan

22.01.2009

Loan Amt - 1, 00, 000/-

07

Credit card

12.07.2008

For Credit Limit 1, 00, 000/-

08

Credit card

03.07.2008

For Credit Limit 15, 000/-

09

Personal loan

19.02.2008

Loan Amt – 6, 00, 000/-

10

Personal loan

23.11.2007

Loan Amt – 1, 46, 175/-

11

Credit card

01.11.2007

For Credit Limit 1, 00, 000/-

12

Credit card

04.08.2007

For Credit Limit 1, 00, 000/-

13

Credit card

06.07.2007

For Credit Limit 100/-

14

Credit card

08.09.2006

For Credit Limit 15, 000/-

15

Credit card

12.07.2006

For Credit Limit 1, 00, 000/-

16

Two Wheeler

26.06.2006

Loan Amt - 13, 000/-

17

Credit card

11.05.2006

For Credit Limit 3, 00, 000/-

18

Credit card

11.12.2005

For Credit Limit 25, 000/-

19

Credit card

26.08.2005

For Credit Limit 50, 000/-

20

Personal Loan

30.07.2007

Loan Amt – 2, 00, 000/-

21

Personal Loan

08.06.2007

Loan Amt – 2, 10, 000/-

22

Personal Loan

30.05.2007

Loan Amt – 1, 10, 000/-

Ø I have also applied for the CIBIL CIR including Trans union Score through my online payment to CIBIL vide transaction ID - 20227974, dtd- 15.07.2011 & the CIBIL registration ID – S0711005518 but till now I have not received any report. As per my earlier correspondences to the CIBIL vide letter dtd . 22.07.2011 CIBIL is not able to give me my correct report nor clarify any disputes raised by me with the service request no. 677981, 676163, 675987, 671275, 656719, 650061.

Hence I request you to kindly clarify the data available with you and make it correct from your side as early as possible or notify the Axis bank to ignore the wrong data punched against the PAN No. AARPI6907K which is in the name of Mr. S.Krishnan, (but as per the CIBIL records the mentioned PAN NO is in the name of Mr. S.Balakrishnan). As I have applied for a home loan from AXIS bank and which is kept on hold by the bank because of incorrect CIBIL report.

Kindly take necessary action at your end at the earliest.

Thanking You,

With Regards,

S.Krishnan

M – 09630932130

E mail Id – Krishnan.iyer1927@gmail.com

Company: CIBIL
Country: India

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