| Name of Complainant | |
| Date of Complaint | October 23, 2023 |
| Name(s) of companies complained against | Encore Asset Reconstruction Company Private Limited |
| 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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Dear,
I Manoj Kumar Panja ,while checking my credit score on CIBIL on 19.10.2023 I have came to know that there are a credit card of EARCPL Credit Card XXXX399101833456 issued from your end on 21/03/2018 date reported and certified to CIBIL on 30/09/2023.
Before 19.10.2023 I never did not found this card account in my account or received any Email, SMS, or account statement .
Now I also came to know the followings:
MEMBER NAME : EARCPL
ACOUNT TYPE: CREDIT CARD
ACCOUNT NUMBER : 0004207399101833456
OWENERSHIP : INDUVIDUAL
ACCOUNT DETAILS
PAYMENT STATUS
Credit Limit–
High Credit₹1,25,270
Current Balance₹73715
Cash Limit–
Amount Overdue₹1,54,127
Rate of Interest–
Repayment Tenure–
EMI Amount–
Payment Frequency–
Actual Payment Amount–
Date Opened / Disbursed21/03/2018
Date Closed–
Date of Last Payment–
Date Reported And Certified30/09/2023
Value of Collateral–
Type of Collateral–
Suit – Filed / Willful Default–
Credit Facility Status–
Written-off Amount (Total)–
Written-off Amount (Principal)–
Settlement Amount–
I never applied such ERCPL credit card which was opened/disbursed on 21/03/2018 nor received any credit card from ERCPL, then how the above-mentioned transaction occurred in my name?
While I found these records in my CIBIL score immediately I raise a dispute saying this account does not belongs to me vide control number 6616497278 reported date 19/10/2023 Dispute Id CDS19102023001165 dispute – 2 with expected resolution date 18-Nov-2023,
But they replied that they “Please accept our sincere apology. TransUnion CIBIL on reviewing the information reported by bank /financial institution understands that the provided details are correct, we recommend you to get in touch with EARCPL for required correction. As per Credit Information Companies Regulation Act, we are not authorized to delete or modify any records in your CIBIL Report without confirmation from the respective institute.”
So I am writing this email to make the correction for EARCPL Credit Card A/c no 0004207399101833456.
Please treat this issue very carefully though I did not never applied for this card and not received the same thus use of it is absolutely false, may be EARCPL made a false issuance this facility to my name with out my knowledge.
Another very abnormal things I noticed in my CIBIL score that the issue date of the card is 21/03/2018 and date of report is 30/09/2023 is it not strange?
So I am writing this email to make the correction for EARCPL Credit Card A/c no 0004207399101833456.
Please treat this issue very carefully though I did not never applied for this card and not received the same thus use of it is absolutely false, may be EARCPL made a false issuance this facility to my name with out my knowledge.
Thanking you,
With Regards,
Manoj Kumar Panja
[email protected]
+91 8981046107
