Name of Complainant	Niranjan Nagaraja
Date of Complaint	April 5, 2026
Name(s) of companies complained against	Encore Asset Reconstruction Company (Encore ARC)
Category of complaint	Banking
Permanent link of complaint	Right click to copy link
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Text of Complaint by Niranjan Nagaraja:

To
The Honorable Consumer Disputes Redressal Commission

**Subject:** Complaint Against Incorrect Reporting in CIBIL Credit Report

**Complainant:**
Niranjan Nagaraja

**Opposite Party:**
Encore Asset Reconstruction Company (Encore ARC) – EARCPL / Concerned Credit Bureau (CIBIL/TransUnion)

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**Respected Sir/Madam,**

I, Niranjan Nagaraja, hereby submit this complaint against the incorrect and misleading reporting of a credit account in my CIBIL report by EARCPL.

I have observed that the following credit card account is being reflected in my credit report:

* **Account Type:** Credit Card
* **Account Number:** XXXX-XXXX-XXXX-4868
* **Credit Limit:** ₹1,05,000
* **Current Balance:** ₹0
* **Amount Overdue:** ₹5,380
* **Date Opened:** 15/09/2014
* **Account Status:** Account Purchased

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**Nature of Complaint:

1. The account shows a **current balance of ₹0, yet an **overdue amount of ₹5,380, which is contradictory and inaccurate.
2. I do not have any outstanding dues related to this account, and I strongly believe this entry is either:

* Incorrectly reported, or
* Not belonging to me, or
* Already settled/closed but not updated properly.
3. The account is marked as “Account Purchased”, which suggests transfer to an asset reconstruction company, but I have not been formally notified or provided supporting documentation for this.
4. This incorrect reporting has adversely impacted my creditworthiness and financial reputation.

Grounds for Complaint:

* Violation of my rights as a consumer due to inaccurate financial reporting.
* Deficiency in service by the reporting entity and credit bureau.
* Failure to ensure accurate and updated credit information as mandated under RBI and credit reporting guidelines.

Relief Sought:

I respectfully request the Honorable Commission to:

1. Direct the opposite parties to immediately investigate and correct/remove the incorrect entry** from my credit report.
2. Provide documentary proof of the alleged dues, if any.
3. Issue a No Due Certificate if no valid outstanding exists.
5. Ensure corrective measures are taken to prevent such issues in the future.

I request the Honorable Commission to take necessary action and provide justice at the earliest.

Thanking you.

Yours faithfully,

Niranjan Nagaraja

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