CIBIL IS ILLEGAL.
I would like to bring to your notice that CIBIL is awaiting final guidelines and the certificate of Registration as a credit information company from the Reserve Bank of India.
As per the The Credit Information Companies (Regulation) Act, 2005
REGISTRATION OF CREDIT INFORMATION COMPANIES
3. Prohibition to commence or carry on business of credit information.—Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.