Issue Resolved ICICI Duplicate Credit Enquiry Issue (Received Compensation ~65Days)

[CarbonLogic]

Hello Folks,

I was just checking my CIBIL report on onescore and it's showing there are 2 credit inquiries by ICICI. One on 15th August and other on 16th August.

I had applied for the AmazonPay ICICI card on 15th which was approved on 18th and I received it on 20th. I had also received 2 SMS on the same day stating that Credit Enquiry was done but I dismissed it thinking the SMS was sent twice by mistake or glitch but turns out I got 2 sms because of 2 enquiries.

As of this report (7th September), my AmazonPay ICICI card is not yet reported in the CIBIL or Experian account. It will probaly update on 15th or 30th September.

Should I dispute the second enquiry made on 16th August with CIBIL? Or message ICICI and ask them to remove the one on 16th?

 

[mailmenow]

Yes I realized that much later that its better to go through CIBIL's dispute system because it then becomes their responsibility to get the resolution within 30 days otherwise either the bank or cibil or both will have to pay the compensation

Yes. I raised a dispute with cibil. As of today it is 30+31 days . Still the bank is not given the response to cibil. So that perticular bank need to pay me 3100 as of today.

 

[6ix9ine]

Update:

Received call on 18th November 2025 from ICICI Escalation Team. They referenced my RBI complaint regarding the Duplicate Enquiry and told me that they will be providing Rs 3500 compensation which checks out as they have delayed ~35 days beyond the first 30 days after I registered complaint on 7th September 2025. (35*100/day) (although I had demanded 15k in the complaint for mental agony xD)

Interestingly they said that they were not able to fetch the details for the CIBIL Enquiry that was made on 16th August 2025 which was the additional duplicate enquiry. And to this they said they are providing the compensation as a service gesture which sort of tells me that its not exactly penalty they are paying to me but rather hush hush money. The compensation was credited directly to my Credit Card

They have also sent me the updated CIR which shows the removal/suppression of the entry.

Today on 19th November 2025 I checked the iMobile app and it shows SERVICE CREDIT of 3500.
Prior to this I had spent Rs 463 out of the 50k limit I have, now the limit shows as -3037 used, 53037 available
Assuming bill is generated right now, my amount due is going to be 0 right?

Yes, you can request the excess balance to your account if you wish.

Now back to chasing Axis for rejecting my Airtel Axis CC application without KYC because they asked me on phonecall for 2 years ITR but I had only 1 year ITR even though this fact is not mentioned anywhere on their website.

Good luck xD