| Name of Complainant | |
| Date of Complaint | November 14, 2024 |
| Name(s) of companies complained against | |
| Category of complaint | Cyber Crime |
| Permanent link of complaint | Right click to copy link |
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Subject: Consumer Complaint Regarding Fraudulent Loan Entry and Incorrect Credit Report
Dear Sir/Madam,
I, Rathanraju P R, I am writing this complaint to bring to your attention a serious issue regarding my CIBIL Credit Report. It has come to my notice that a short-term personal loan (TRANSACTREE short term personal loan) of ₹8,005 has been wrongly recorded against my name, which I have never applied for, received, or authorized. Furthermore, the report indicates a 5-month late payment status (from June 2023 to October 2023), which is both incorrect and fraudulent.
Here are the details of the incorrect entry as per my credit report:
Loan Account Number (if available): [Account Number]
Loan Amount Reported as Overdue: ₹8,005
Reported Loan Date: June 2023
Status: 5 Months Late Payment (June 2023 – October 2023)
Issue Summary:
I have never taken a loan from the institution listed above, nor have I received any communication (e.g., alerts, reminders, or notices) from your institution regarding this loan.
There is no record of any loan or agreement signed by me for the mentioned amount.
The incorrect entry is severely affecting my CIBIL credit score and financial wellbeing.
This appears to be a case of fraudulent reporting or a clerical error.
I request that the erroneous loan entry and the associated overdue amount of ₹8,005 be removed immediately from my CIBIL record and that my credit report be updated to reflect the correct information.
Action Requested:
Immediate investigation into the fraudulent or mistaken loan entry.
Rectification of my CIBIL credit report to remove the incorrect loan details and overdue payments.
Written confirmation and clarification regarding the creation of this loan and overdue status against my name.
Compensation for any potential damage to my financial reputation due to this incorrect entry.
I would appreciate a prompt response to this complaint.
Please consider this as a formal complaint and take immediate action to rectify the matter.
