| Name of Complainant | |
| Date of Complaint | December 2, 2024 |
| Name(s) of companies complained against | JALANCHEMICAL |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
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I am writing to formally file a complaint regarding the presence of three unauthorized loan accounts associated with my name, which are adversely affecting my CIBIL credit score. I have never availed any loans from the company in question, nor have I been approached or informed about any such loans. These incorrect entries are causing significant damage to my credit rating, which I believe is a case of misreporting or potential fraud.
My details are as follows:
Name: Mohit Rajak
PAN Number: [Your PAN Number]
CIBIL Report Reference Number: [Provide the reference number if available]
Contact Information: mohitrajak124@gmail.com / [Your phone number]
The following loan accounts are incorrectly reflected in my CIBIL report:
JALANCHEMICAL****0694, Issued on 17th August 2019
Outstanding Amount: ₹6931
Loan Amount: ₹2000
JALANCHEMICAL****1303, Issued on 17th August 2019
Outstanding Amount: ₹6827
Loan Amount: ₹2000
JALANCHEMICAL****9069, Issued on 25th August 2019
Outstanding Amount: ₹3553
Loan Amount: ₹1000
I would like to highlight that, in 2019, I was a minor and did not have the legal capacity to take out any loans. Additionally, I have never authorized or signed any documents related to these loans, nor have I been informed by the company about such borrowings. As such, I believe these entries are either a mistake or potentially a case of fraud or identity theft.
I kindly request the following actions:
Immediate removal of the aforementioned loan entries from my CIBIL report.
A thorough investigation into how these loans were linked to my name, especially considering that I was underage at the time.
Confirmation of the removal of these incorrect entries from your end, as well as from all credit bureaus that report on my credit history.
If these loans were issued due to fraudulent activities, I request that appropriate action be taken against the responsible party.
Please consider this complaint with urgency, as the continued presence of these inaccurate entries is severely affecting my credit score and financial well-being. Should my concerns not be addressed promptly, I will be forced to escalate this matter further, including filing a complaint with the Reserve Bank of India (RBI) and pursuing legal action.
Attached are the relevant screenshots of my CIBIL report showing the incorrect loan details.
I request your prompt intervention in this matter. Should you need any further information or clarification, please do not hesitate to contact me at mohitrajak124@gmail.com.
Thank you for your time and attention.
Sincerely,
Mohit Rajak
