I have mailed CIBIL and also Duetsche Bank Credit Support Team with the Below Details with regard to Add-On Cards issued to me without my Knowledge and also reported to CIBIL as Defaulter. I still haven't got any reply from CIBIL nor Duetsche Bank
Verified My Credit Report by Paying Rs.142 to CIBIL and my Investigation below regarding my AddOn Cards
Consumer: SURESH
SELVARAJ MEMBER
CIBIL ID: BF99981005
DATE:26-07 TIME:16:21:48
MEMBER REFERENCE NUMBER:9288234
CONTROLNUMBER:43, 91, 36, 054
Upon verifying the Credit Report, I find some of Information/Data to be contradicting.
Hence, I kindly request you to research on the issue and help me providing a good response.
ACCOUNT-DEUTSCHE BANK XXXX6502
AUTHORISED USER with OVERDUE:11, 901
The Credit Card -XXXX6502 is an Add-On Card where the Primary
Card Owner is my father Mr. Selvaraj.
It is to be noted that I have not signed or requested for the
Credit card from Bank and the Primary Card Holder is solely
responsible for the Payment. Neither the Bank have not contacted
me for any Payment request till date. Hence I request CIBIL to
please research if the information is a Duplicate with that of
Mr. Selvaraj, the Primary Card Owner and that provide me answer if Fields like Overdue
is necessary for Add-On User in the CIBIL report.
ACCOUNT-HSBC XXXX9264
AUTHORISED USER with High Credit:76, 672
The Credit Card -XXXX9264 is an Add-On Card where the Primary
Card Owner is my father Mr. Selvaraj.
Again, I have not signed or requested the card and upon
discussing with Mr. Selvaraj, he has provided the information
that Bank have called with offer and requested to provide family
member names for Add-On Cards. Hence the Credit card came in
Mail. I have no idea of the card which was issued to me and I
came to know only after seeing CIBIL Report. Hence I request
CIBIL to provide me if the Information provided from its
members (Banks) are being validated that if the consumer have
signed or what support documents were provided by the consumer
for getting the credit card in order to accept the information.
Note: It is to be noted that the I have never
touched/Benefitted the Add-On card and that Sum of Amount
displayed in the Credit Report for the Add On Card XXXX9264 of
Rs.76, 672 is never a valid information my statement.
It is Only Valid if CIBIL takes care to mention the amount
used by Add On Card separately and not the Total Amount used by
the Primary Card to avoid Duplication of Information.
Please let me know if CIBIL needs
further information from me for the research and Hope to get a good
explanation from CIBIL soon.
Thanks
Suresh S
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