I applied for a Car Loan, and my bank after a few days, showed me a CIBIL report, having 3.5lac of Personal Loan, (which I had not taken at all), and furhter there was 2 credit card mentioned in my name, (which was again not availed by me). I did pay and avail my report (I got it on 15th March 2010) to check the Banks name etc, and then I communicated with the Banks, and each back replied to me back saying that they have corrected the mistake. ( Communication includes emailing to the nodal officer, and even sending a legal notice).
Further to the communication by the banks, I asked for a new CIBIL repor on 27th April 2010, and I have not got the report tilldate.
Now when one of the banks, sent a proof ( they generated my credit report) on 6th May 2010, to my surprise, I see that there has been a 10lac & 1.7lac written off amount which was not there in the previous report generated on 15th March. It says that an amount of 10lac is written off form Credit Card, and 1.7lac of Auto Loan. I have no clue on how banks are reprotign this to CIBIL, where in I have not even availed of the CC or auto loan that they are mentioning.
Please advice on how do I go about getting these sorted out. I am based out of Bangalore. Is there any legal expert who would handle this to get these reporting cleared
Sanjay
