CIBIL DISPUTE without Membership 😔

[Laukik]

I have one wrong entry of Loan from Axis Bank. It's Probably from Axis Airtel Credit card i own. But I'm not sure as it shows different Credit limit. and often shown as 'others' or 'loan' instead of Credit card in my report. It's also shows only 5k limit.
So I have written Axis bank but they keep insisting that everything is fine from their side. Try contacting CIBIL bureau.
Now the question is how to raise dispute with CIBIL, because I don't have CIBIL membership ( feels not worth spending 1200₹), CIBIL does give a free report a year, but I have already used it about 250 days ago and it keeps insisting me to buy membership saying it can't file dispute with Old report. ( Also the loan account wasn't there in old report).
Any other method without burning 1200₹?

 

[D₹V]

There was some methods to see report on CIBIL website without subscription.

@S S V might add.

 

[akshayhs]

...

Escalate to NO or PNO. Sometimes when you reply, it automatically gets escalated from NO to PNO (Happened in my case). Don't even bother contacting customer service because they are a bunch of muppets.

 

[SSV]

I have one wrong entry of Loan from Axis Bank. It's Probably from Axis Airtel Credit card i own. But I'm not sure as it shows different Credit limit. and often shown as 'others' or 'loan' instead of Credit card in my report. It's also shows only 5k limit.
So I have written Axis bank but they keep insisting that everything is fine from their side. Try contacting CIBIL bureau.
Now the question is how to raise dispute with CIBIL, because I don't have CIBIL membership ( feels not worth spending 1200₹), CIBIL does give a free report a year, but I have already used it about 250 days ago and it keeps insisting me to buy membership saying it can't file dispute with Old report. ( Also the loan account wasn't there in old report).
Any other method without burning 1200₹?

There was some methods to see report on CIBIL website without subscription.

@S S V might add.

If you don't want to pay for subscription and have already utilised your one free quota of CIBIL report per year, the only option loeft out is raising the dispute offline...






you can find more details here in this link:

Consumer Dispute Resolution

Do you want to correct information on your CIBIL Report, and don’t know where to start? You can now initiate a dispute online with CIBIL for inaccuracies, account ownership and duplication of information that reflect in your Credit Report. CIBIL does not charge its consumers for this service.

www.cibil.com

More SS for immediate consumption:

 

[R@J]

I have one wrong entry of Loan from Axis Bank. It's Probably from Axis Airtel Credit card i own. But I'm not sure as it shows different Credit limit. and often shown as 'others' or 'loan' instead of Credit card in my report. It's also shows only 5k limit.
So I have written Axis bank but they keep insisting that everything is fine from their side. Try contacting CIBIL bureau.
Now the question is how to raise dispute with CIBIL, because I don't have CIBIL membership ( feels not worth spending 1200₹), CIBIL does give a free report a year, but I have already used it about 250 days ago and it keeps insisting me to buy membership saying it can't file dispute with Old report. ( Also the loan account wasn't there in old report).
Any other method without burning 1200₹?

I remember I had the same problem.
There was an option of writing the details via message box/mail. You can raise your concern there by writing the details and complaint... Cibil folks will review it manually and create a service request accordingly.

 

[SSV]

I remember I had the same problem.
There was an option of writing the details via message box/mail. You can raise your concern there by writing the details and complaint... Cibil folks will review it manually and create a service request accordingly.

+1
@Laukik .

Also this looks like a feasible option to consider and act upon...

 

[saucy]

If I understand correctly, you want to generate a new cibil report to check, yes?

In that case, try out the "view cibil score" on Google Pay.
Another app is OneScore - it fetches your cibil and also suggests how to improve.
A third alternate could be Cred - but you may not get your cibil score here. In any case, you can "report" wrong info via cred - they help you write an email.

Also, I don't think credit card inquiries show up as "loan". Are you sure it's not a "pay later" service you've availed from somewhere?

Can you post a screenshot of your cibil report showing the details of this loan? Hide your private info if you share.

 

[Strange]

It's also shows only 5k limit

Are you using Freecharge pay later service?

 

[Heehaahee]

I have one wrong entry of Loan from Axis Bank. It's Probably from Axis Airtel Credit card i own. But I'm not sure as it shows different Credit limit. and often shown as 'others' or 'loan' instead of Credit card in my report. It's also shows only 5k limit.
So I have written Axis bank but they keep insisting that everything is fine from their side. Try contacting CIBIL bureau.
Now the question is how to raise dispute with CIBIL, because I don't have CIBIL membership ( feels not worth spending 1200₹), CIBIL does give a free report a year, but I have already used it about 250 days ago and it keeps insisting me to buy membership saying it can't file dispute with Old report. ( Also the loan account wasn't there in old report).
Any other method without burning 1200₹?

1080, umang10

 

[4uziaul]

This is the issue here:

Post in thread 'Axis not reporting CIBIL' https://www.technofino.in/community/threads/axis-not-reporting-cibil.13031/post-260621

Airtel card is being reported as a loan. 😂 CIBIL won't take any action; it's a situation caused by Axis. The only way to resolve it is by sharing the CIBIL report with the PNO.

@Laukik

 

[Strange]

This is the issue here:

Post in thread 'Axis not reporting CIBIL' https://www.technofino.in/community/threads/axis-not-reporting-cibil.13031/post-260621

Airtel card is being reported as a loan. 😂 CIBIL won't take any action; it's a situation caused by Axis. The only way to resolve it is by sharing the CIBIL report with the PNO.

@Laukik

"Wo Axis hai wo Kuch bhi kar sakti hai" moment. 🤣😂

 

[4uziaul]

"Wo Axis hai wo Kuch bhi kar sakti hai" moment. 🤣😂

Mujhse raha nahi gaya aur main dekh raha hoon sab apna apna gyaan baant rahe hai toh maine bola siddha reveal hi kar doon kya problem Aaj chuti ka din sab bekar main itna mehnat kar rahe hai 🤣

Disclaimer: I'm not attempting to disrespect anyone. 👍

 

[Trust Me]

Also, I don't think credit card inquiries show up as "loan". Are you sure it's not a "pay later" service you've availed from somewhere?

It routinely shows up as "Personal Loan" for ICICI, if one tries their "on the fly" credit card application via netbanking!

 

[R@J]

It routinely shows up as "Personal Loan" for ICICI, if one tries their "on the fly" credit card application via netbanking!

I'm also victim of the same. Do let us know if you were able to get it removed.

 

[Trust Me]

I'm also victim of the same. Do let us know if you were able to get it removed.

ICICI have promised me a removal within 15 working days or so. I'll check in a few weeks. You should get the process started ASAP. Avoid customer.care@icicibank.com, and approach customersupport@icicibank.com instead to start with.

 

[PavanPavan is verified member.]

@S S V This is not clear 🙁 even i need to remove two HSBC enquiries but unable to raise a dispute i have latest report not sure how to raise the dispute

 

[R@J]

ICICI have promised me a removal within 15 working days or so. I'll check in a few weeks. You should get the process started ASAP. Avoid customer.care@icicibank.com, and approach customersupport@icicibank.com instead to start with.

Thanks for the info @Trust Me . Will do so!