| Name of Complainant | |
| Date of Complaint | March 4, 2026 |
| Name(s) of companies complained against | MUTHOOTNAN |
| Category of complaint | Internet Services |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
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I, Kommala Srividya (PAN: FSYPK4****), hereby submit this complaint against the lender name appearing as “Muthootnan” in my CIBIL report.
I have never applied for or availed any gold loan from the said company. However, three gold loan accounts have been reported under my name and PAN without my knowledge or authorization.
Due to this incorrect reporting, my CIBIL score has significantly reduced and my bank loan processing has been adversely affected, causing financial hardship and mental distress.
Details of Unauthorized Loan Accounts (as per CIBIL report):
Loan No: XXXX8927 | Amount: Rs. 84,000 | Period: Oct 2021 – Jan 2022
Loan No: XXXX8924 | Amount: Rs. 56,800 | Period: Oct 2021 – Jun 2022
Loan No: XXXX8928 | Amount: Rs. 21,300 | Period: Oct 2020 – Jan 2022
I have already contacted both Muthoot Finance and Muthoot Fincorp Limited through email seeking clarification. Both organizations have informed through written communication that the above-mentioned loan accounts do not pertain to their companies and that no such loans exist under my PAN in their records.
Copies of the email communications received from both companies are enclosed for your reference.
This appears to be a case of negligent reporting, identity mismatch, or improper data handling by the concerned reporting entity.
I respectfully request the Hon’ble Commission to:
Direct the concerned lender/reporting entity to immediately investigate the matter.
Remove the unauthorized loan entries from my CIBIL record without delay.
Restore and correct my credit score without delay.
Grant appropriate relief for deficiency in service and the hardship caused.
I request urgent intervention and appropriate action in this matter.
Sincerely,
Kommala Srividya
