EARCPL Credit Card affecting my cibil score for delayed payments

Name of Complainant Raghu Vadnala
Date of ComplaintJanuary 13, 2026
Name(s) of companies complained against
Category of complaint Banking
Permanent link of complaint Right click to copy link
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Text of Complaint by Raghu Vadnala:

A credit card by EARCPL has been issued under my name sometime in January 2018, with a last update by bureau date as December 2025. This card has been regularly updating delayed payments under my name which has severely impacted my credit scores. I don’t know to whom I should contact or how to close this account which I have NOT requested.

In light of the above, I kindly request you to:

1. Immediately close the credit card issued in my name.
2. Conduct a thorough investigation into how this card was opened without my consent.
3. Initiate appropriate legal action against EARCPL for misusing my personal details and negatively affecting my financial standing.

Please treat this matter as urgent and keep me informed of the progress. I am prepared to escalate this matter to the appropriate regulatory bodies if necessary.

Thank you for your attention and cooperation.

Image Uploaded by Raghu Vadnala:

EARCPL Credit Card affecting my cibil score for delayed payments

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