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Bank Wrongly Reported Me as a Defaulter - How I Won the Case Against the Bank

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Indian said:
My profile currently in RCU investigation , They want me to wait 2 working days , i spoke to one of my friend working SCB offshore accounts , he casually telling its happen lot now a days due to AI and other filter algo mistakes , some of them not knowing their errors and fighting for loan approvals
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Whats an RCU?
 
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Riya said:
You are definitely mistaken for some other person (maybe with similar name or similar PAN)...
Otherwise it's impossible that you had loan default for 25 years and CIBIL score is dropped now...
Write to shahafinlease first... Wait for reply... If no positive answer then re-write to them...
Then write in RBI ombudsman attaching mails and their reply plus latest CIBIL reports... Keep in mind to show your last month cibil report too which doesn't show any such loans...

I had earlier given you the performa for the mail
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Thanks for your input! yes i have all proof earlier cibil report with control number and this cibil record with control number, Call recording of sahafinlease executives, i wrote email already to shahfinlease , asusal they not replied , i just googled shahfinlease is notorious for this cibil slaughter and paid compensation to customers
 
Just received sms from SCB that they are upgrading credit card system. God knows what changes they will make anywhere to our accounts in August.
 
Indian said:
My profile currently in RCU investigation , They want me to wait 2 working days , i spoke to one of my friend working SCB offshore accounts , he casually telling its happen lot now a days due to AI and other filter algo mistakes , some of them not knowing their errors and fighting for loan approvals
Click to expand...
so sad to hear from such a big international bank
without testing all sort of setbacks they've gone live i guess
 
UPDATE:

Just now cibil refreshed found below details:

Error 1 : DOB changed as original and they claim it already exists.

Error 2 :
SBI card opened 2001 (active) STILL There but showing account under dispute
Saha (SCB) opened 2001(active) Disappeared but Hard Enquiry still there
Icici consumer loan opened 2002 (active) Disappeared

Error 3:
LIC Housing loan opened 1995 (closed)Disappeared
SBI personal Loan 1998 (closed)Disappeared

My cibil score unchanged as showing 686 :cry:

Only sbi card in overdue and hard enquiry by saha still showing
 

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Indian said:
UPDATE:

Just now cibil refreshed found below details:

Error 1 : DOB changed as original and they claim it already exists.

Error 2 :
SBI card opened 2001 (active) STILL There but showing account under dispute
Saha (SCB) opened 2001(active) Disappeared but Hard Enquiry still there
Icici consumer loan opened 2002 (active) Disappeared

Error 3:
LIC Housing loan opened 1995 (closed)Disappeared
SBI personal Loan 1998 (closed)Disappeared

My cibil score unchanged as showing 686 :cry:

Only sbi card in overdue and hard enquiry by saha still showing
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No improvement dude
Tomorrow’s action from ur side will only work out
This 686 CIBIL will spoil ur card history
 
Vasuki said:
I don't know why people suggesting any without op giving detail in systematic fashion like a well informed query .

Who are suggesting write to cibil write to cibil bullshit.
It's lender who reports , trans union will do what? Other than making a marking scheme

@vaibhav111 you should lock the thread unless Op write a detail query rather than yelling help help as
Cibil score didn't drop
His BP got dropped
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admin have replied too n it seem he would take 1L for compensation too.
 
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