Intentionally delayed to give normal report to cibil about my account information.?

Question

After getting my CIBIL report, I came to know that there is two account having number DURHAL-50-14 & DURHAL-50-391 reflected in my account.Already I meet with branch manager (Haldia) and convinced that there is no account in your bank. Initially bank official told me that there is no account accessible by them which is reflected in my CIBIL report. But from a reliable sources, I came know that presently, they have discovered the above two account which has been settle off or write off 4-5 years ago between actual defaulter and bank official. My question is if it is settle off or write off without my knowledge, then why bank official not withdraw my name from CIBIL? Why delay is happening in this resolution process for which people like was suffering last couple of years.

Answer 1

Dear Sakhet

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Please note that, if the loan dues are written off by the bank, the aspect would always be reported to CIBIL for incorporation.  Unless you pay off the written off amount to the Bank, the bank would not initiate status correction with CIBIL.  Please note that, a write off of a loan by Bank, does not mean that you would have a clear score in CIBIL.  You need to pay off the dues to the bank, to get your name cleared.  However, if you say that you never availed any loans from the Bank, but your CIBIL record reflects the written off instances, please take up with the bank authorities for correction of relative data, by furnishing them the facts.

RAJA