My cibil report is wrongly written off
Querist :
Anonymous
(Querist) 13 April 2025
This query is : Resolved
I was holding HSBC Credit Card XXXX-XXXX-XXXX which I used fairly and paid in time and there was no due pending on my side. This card is already expired in 12/10.
In the year 2024, when I applied for the education loan for my daughter, I got to know that there is settlement against my card and my CIBIL report is updated Written off. So I raised the dispute to the CIBIL and Service Request No XXXXXX, provided by the CIBIL.
As per mail received from you (CIBIL), they have confirmed from financial institution and my CIBIL report is correctly 'Written off'. CIBIL further suggested me to talk to the HSBC Bank.
When I talked to the HSBC Bank, they are not able to verify my Credit Card detail and they further suggested me to talk to the HSBC Collection Department.
When I talked with the HSBC Collection Department, they also not able to verify Credit Card and payment detail. They suggested me to report the complaint on their HSBC website and helped me in raising the complaint in the site.
When I logged the complaint on the HSBC website, no complain number has been assigned so that I can track against the complaint number.
During the entire conversation with the bank, I referred my CIBIL dispute number but HSBC Bank not able clarify how my Credit Card account is 'Written-off'.
So, finally I raised a complaint in the RBI but RBI also closed my complain under clause 16(2)(a).
Meanwhile, I received mail from HSBC Bank, to share my CIBIL Report in PDF file. When I shared my CIBIL Report, within a week, bank revert back to me asking Rs. 35000/-.
They further suggested me to visit to the bank to make payment or call to the collection center. When I talked to the collection center, after providing my card detail, they suggested me not to make any payment as they do not have any record against my card number.
I am vey much in doubt, how bank will accept the payment against my card number when they do not have record.
So should I logged a complain against HSBC Bank and CIBIL as well in the consumer court.
What should be my location to choose as HSBC Bank has various branch in Delhi but Bank has nothing to do with Credit Card.
Please help me out to take right recession as I need NOC from HSBC Bank.
With Best Regards,
T. Kalaiselvan, Advocate 
(Expert) 13 April 2025
If you are unable to navigate further in this matter either through consumer commission or through civil court, then you can take the assistance of an experienced lawyer in the local who will be be to guide you properly instead of putting your efforts without any purpose being solved.
