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From whom?

@sovon
Aditya Birla -> Personal Loan
LnT Finance -> Consumer Loan

If the bank fails to remove the Unauthorized cibil hits or if ur cibil score drops due to it then u might get compensation. But if the bank just admits their mistake and simply removes the enteries then u wiol get only an apology email, no compensation. At this point u should be more worried of a possible Pan number breach

@Dr.AMAN But won't they need OTP in order to fetch credit records?

Saw a case yesterday, bajaj did 2 unauthorised enquires of an user, he raised the issue with Bajaj.
Bajaj asked his details over dm
Next day bajaj added one more enquiry 🥹🥹

@aayusharyan these days it is not difficult to forge Pan card and map it to a different mobile number so that all otps can be diverted to that number and scammers use it to apply unauthorized loans (especially from NBFCs where they dont check strictly). In extreme cases people have been forced to change their PAN card number itself. U can go through this article:-

But dont worry. These r only extreme cases. Urs could be a simple error from the NBFC side. Just raise a dispute in Cibil and email the 2 NBFCs and wait for their reply.

Check dates. Then check urself if by mistake u clicked in some app like Paytm for loan or something on those dates.

These days most of NBFCs particularly 2nd tier NBFCs are doing such practices with the help of multipurpose wallet / or cibil check apps like Pay-tm / baj-aj/ one -score / gpay etc.

Also try to find out the source from where and how it appeared.

@Dr.AMAN I am pretty sure it's not identity theft, it's probably some Issue, I will check just in case.

@2025 The enquiry dates are ot 2 hours ago. lol, that's the first thing I checked.

@sovon I recently got these alerts from cibil about bajaj 3 times but surprising no hit on cibil.. dont know whats going on

Keep us posted. Looks like this story is going to be more interesting than that Rokda bhai's story😅

Last month I too faced a cibil hit from Bajaj, I disputed it in cibil and within 2-3 days it was resolved and the hard enquiry was removed.

Then I checked all my hard enquiries and disputed them all, till now 15 enquiries are also removed.

Bhai jyada na darao raat ko, kabhi neend hi na aaye 🧐

@Aniket Sharma those 15 enquiries were genuine ones or unauthorized ones?

@Dr.AMAN I too don't know earlier it was 83, now its only 68 & 4 dispute is still open, waiting for closing of all disputes, might be after this month 64 or 61 will remain there.

1 new enquiry mar lo bhai

@Aniket Sharma