Seeking Guidance on Increasing Compensation for Unauthorized CIBIL Inquiries

[Solarman]

I had requested compensation of ₹50,000 from PayU Finance for repeatedly making unauthorized inquiries on my CIBIL report. For the past year, they have been generating monthly inquiries—from August 2024 to August 2025—without my consent.


I raised a CIBIL dispute for nine such inquiries. Out of these, six were removed, but three still remain unresolved. Consequently, I filed a complaint with the RBI Ombudsman seeking appropriate compensation for the repeated unauthorized inquiries.


Recently, PayU Finance contacted me and offered a compensation amount of ₹5,300. I believe this amount does not adequately reflect the inconvenience and potential impact on my credit profile.


Could anyone please suggest how I can negotiate for a higher compensation amount or what additional steps I can take to strengthen my case?

 

[HumorSimpson]

@pinki . . .

 

[theflash]

I had requested compensation of ₹50,000 from PayU Finance for repeatedly making unauthorized inquiries on my CIBIL report. For the past year, they have been generating monthly inquiries—from August 2024 to August 2025—without my consent.


I raised a CIBIL dispute for nine such inquiries. Out of these, six were removed, but three still remain unresolved. Consequently, I filed a complaint with the RBI Ombudsman seeking appropriate compensation for the repeated unauthorized inquiries.


Recently, PayU Finance contacted me and offered a compensation amount of ₹5,300. I believe this amount does not adequately reflect the inconvenience and potential impact on my credit profile.


Could anyone please suggest how I can negotiate for a higher compensation amount or what additional steps I can take to strengthen my case?

I just read a case few days ago idk if it was BOB or some other bank. A person tried to negotiate the compensation and the institution put it up to RBI for complaint closure mentioning compensation rejected by the user something like that so I'll suggest think and do the needful.

 

[Solarman]

I just read a case few days ago idk if it was BOB or some other bank. A person tried to negotiate the compensation and the institution put it up to RBI for complaint closure mentioning compensation rejected by the user something like that so I'll suggest think and do the needful.

Previouslyi have demanded 50k via RBI only now i have sent email to them re consider the amount to 50k instead of 5200

 

[✪ D&C Cards Connoisseur 💳]

I had requested compensation of ₹50,000 from PayU Finance for repeatedly making unauthorized inquiries on my CIBIL report. For the past year, they have been generating monthly inquiries—from August 2024 to August 2025—without my consent.


I raised a CIBIL dispute for nine such inquiries. Out of these, six were removed, but three still remain unresolved. Consequently, I filed a complaint with the RBI Ombudsman seeking appropriate compensation for the repeated unauthorized inquiries.


Recently, PayU Finance contacted me and offered a compensation amount of ₹5,300. I believe this amount does not adequately reflect the inconvenience and potential impact on my credit profile.


Could anyone please suggest how I can negotiate for a higher compensation amount or what additional steps I can take to strengthen my case?

You yourself can calculate the compensation amount. Rs. 100 per day. Calculate no of days from enquiry date to removal date for 6 enqueries which are closed. Similarly calculate from date of 3 open hits until current date. Then give this calculation to the Payu and ask for appropriate compensation. Mention this is the rule of RBI for compensations.

 

[Solarman]

You yourself can calculate the compensation amount. Rs. 100 per day. Calculate no of days from enquiry date to removal date for 6 enqueries which are closed. Similarly calculate from date of 3 open hits until current date. Then give this calculation to the Payu and ask for appropriate compensation. Mention this is the rule of RBI for compensations.

How Should i Calculate I have Inquiry From , Should i Calculate each
09-08-24 - Not Removed
26-09-24 - Not Removed
14-11-24 - Not Removed
27-12-24 - Removed on 14-11-25 Via CIBIL Dispute
04-02-25 - Removed on 14-11-25 Via CIBIL Dispute
07-03-25 - Removed on 14-11-25 Via CIBIL Dispute
10-06-25 - Removed on 14-11-25 Via CIBIL Dispute
16-08-25 - Removed on 14-11-25 Via CIBIL Dispute

 

[✪ D&C Cards Connoisseur 💳]

How Should i Calculate I have Inquiry From , Should i Calculate each
09-08-24 - Not Removed
26-09-24 - Not Removed
14-11-24 - Not Removed
27-12-24 - Removed on 14-11-25 Via CIBIL Dispute
04-02-25 - Removed on 14-11-25 Via CIBIL Dispute
07-03-25 - Removed on 14-11-25 Via CIBIL Dispute
10-06-25 - Removed on 14-11-25 Via CIBIL Dispute
16-08-25 - Removed on 14-11-25 Via CIBIL Dispute

For eg:
27/12/24 - 14/11/25 : Caculate no of days X 100
09/08/21 - Till Date : Caculate no of days X 100

 

[Solarman]

For eg:
27/12/24 - 14/11/25 : Caculate no of days X 100
09/08/21 - Till Date : Caculate no of days X 100

Like this calculation i am entitle to get 239000 compensation 🤣🤣

 

[✪ D&C Cards Connoisseur 💳]

Like this calculation i am entitle to get 239000 compensation 🤣🤣

Put this figure on front of them and tell them the RBI approved method of calculation. Include mental anguish too

 

[Solarman]

Put this figure on front of them and tell them the RBI approved method of calculation. Include mental anguish too

I have mailed this only to them by giving calculation lets see if they call to bargin for lower amount i will add extra amount for mental pressure 🤣🤣

 

[GABBA₹]

In my case, I asked 15k but RBIO ordered 5k.
When RBIO will ask for your comments on bank's taken action, add there that you had to purchase cibil subscription to gather evidence.

Thread 'Wrong CIBIL hit by ICICI. Compensation received after RBIO complaint.' https://technofino.in/community/thr...ensation-received-after-rbio-complaint.45604/

 

[Solarman]

PayU has declined my request for an increase in compensation. Please advise how I can improve my chances of receiving a higher compensation amount. I am currently unable to file an appeal with the RBI, as the portal indicates that I must wait until the complaint is officially closed

 

[yash_aggarwal]

PayU has declined my request for an increase in compensation. Please advise how I can improve my chances of receiving a higher compensation amount. I am currently unable to file an appeal with the RBI, as the portal indicates that I must wait until the complaint is officially closed

Did RBIO not chime in?

 

[amitamit is verified member.]

How Should i Calculate I have Inquiry From , Should i Calculate each
09-08-24 - Not Removed
26-09-24 - Not Removed
14-11-24 - Not Removed
27-12-24 - Removed on 14-11-25 Via CIBIL Dispute
04-02-25 - Removed on 14-11-25 Via CIBIL Dispute
07-03-25 - Removed on 14-11-25 Via CIBIL Dispute
10-06-25 - Removed on 14-11-25 Via CIBIL Dispute
16-08-25 - Removed on 14-11-25 Via CIBIL Dispute

2 Cr manglo

 

[✪ D&C Cards Connoisseur 💳]

PayU has declined my request for an increase in compensation. Please advise how I can improve my chances of receiving a higher compensation amount. I am currently unable to file an appeal with the RBI, as the portal indicates that I must wait until the complaint is officially closed

Have patience buddy. File to RBIO after 30 days of initial complaint

 

[Solarman]

Have patience buddy. File to RBIO after 30 days of initial complaint

I have filed a complaint in rbi only they have transferred the complaint to payu now payudecline and sent the matter to rbi internal team (i have filed complaint on march 2025 to payu 1st)