is my kyc leaked? New Enquiry on CIBIL

[Dr. Drake]

CIBIL sent me an email about a new lender inquiry. I logged in to see if there was a new enquiry. I was shocked to see new inquiry for personal loan from lender "AKARACAPL." According to a basic Google search, it's a nbfc partner for stashfin.

I'm not familiar with Stashfin, but it's known for small loans in Delhi and neighbouring states. I have not applied for any loans this year. My fear Is my kyc data compromised? How can I safeguard myself? How were they able to generate new Inquiry using only my PAN?

 

[luciferlucifer is verified member.]

CIBIL sent me an email about a new lender inquiry. I logged in to see if there was a new enquiry. I was shocked to see new inquiry for personal loan from lender "AKARACAPL." According to a basic Google search, it's a nbfc partner for stashfin.

I'm not familiar with Stashfin, but it's known for small loans in Delhi and neighbouring states. I have not applied for any loans this year. My fear Is my kyc data compromised? How can I safeguard myself? How were they able to generate new Inquiry using only my PAN?

I got the same too 🙁

 

[Wealth is my birth right!]

CIBIL sent me an email about a new lender inquiry. I logged in to see if there was a new enquiry. I was shocked to see new inquiry for personal loan from lender "AKARACAPL." According to a basic Google search, it's a nbfc partner for stashfin.

I'm not familiar with Stashfin, but it's known for small loans in Delhi and neighbouring states. I have not applied for any loans this year. My fear Is my kyc data compromised? How can I safeguard myself? How were they able to generate new Inquiry using only my PAN?

Raise dispute with CIBIL and they close it by providing mail id of the queried financial institution which u can write mail to them for removal

 

[Card_Crafter]

Heck even I also got a PL enquiry from Akara Capital yesterday. Already sent mail to both Akara Capital and Stashfin. Also raised CIBIL dispute. Haven't received any reply yet.

 

[Dr. Drake]

Raise dispute with CIBIL and they close it by providing mail id of the queried financial institution which u can write mail to them for removal

Raised a dispute with CIBIL. Received a complaint id. I'm not sure if they will be able to assist or ask me to coordinate, will see though

 

[Wealth is my birth right!]

Raised a dispute with CIBIL. Received a complaint id. I'm not sure if they will be able to assist or ask me to coordinate, will see though

Yes if they send an update it may have the bank contact information

 

[Card_Crafter]

@Dr. Drake did you send mail to Stashfin and Akara Capital? Did anyone from Stashfin contacted you?

I got a call today from CC. They are telling i have filled my details and applied that's why the hard enquiry happened. Told the guy that i didn't apply neither i have the app. Still he was not ready to listen. Told him I will raise this with RBI.

Can someone else apply on my behalf using my KYC details? Is it possible?
@Wealth is my birth right! What's your opinion?

 

[MOhit __]

@Dr. Drake did you send mail to Stashfin and Akara Capital? Did anyone from Stashfin contacted you?

I got a call today from CC. They are telling i have filled my details and applied that's why the hard enquiry happened. Told the guy that i didn't apply neither i have the app. Still he was not ready to listen. Told him I will raise this with RBI.

Can someone else apply on my behalf using my KYC details? Is it possible?
@Wealth is my birth right! What's your opinion?

This can happen, all you have to do is share your PAN with me.
I will go to the mall or Metro station, and im sure the SB* agent will ask me to apply credit card. I'll give them your PAN number to check how much of a card limit I will get.

Congrats, you got a new CIBIL hit.

 

[Dr. Drake]

@Dr. Drake did you send mail to Stashfin and Akara Capital? Did anyone from Stashfin contacted you?

I got a call today from CC. They are telling i have filled my details and applied that's why the hard enquiry happened. Told the guy that i didn't apply neither i have the app. Still he was not ready to listen. Told him I will raise this with RBI.

Can someone else apply on my behalf using my KYC details? Is it possible?
@Wealth is my birth right! What's your opinion?

No. I haven't mailed anyone except CIBIL dispute. Also, I have never installed that app!!

 

[Dr. Drake]

This can happen, all you have to do is share your PAN with me.
I will go to the mall or Metro station, and im sure the SB* agent will ask me to apply credit card. I'll give them your PAN number to check how much of a card limit I will get.

Congrats, you got a new CIBIL hit.

If all it takes is a PAN number then we are really F. If somebody decided to take revenge boy we are so f*

 

[Card_Crafter]

This can happen, all you have to do is share your PAN with me.
I will go to the mall or Metro station, and im sure the SB* agent will ask me to apply credit card. I'll give them your PAN number to check how much of a card limit I will get.

Congrats, you got a new CIBIL hit.

So agents can do Credit enquiry with just a PAN number? I am sure he will ask for the original PAN and Aadhar for verification before filling application details.

Reg this Akara Capital/Stashfin, they are a NBFC who provides credit lines and PLs. And the application process is completely online. I think they themselves did the enquiries and when exposed trying to put the blame on the customer.

 

[Wealth is my birth right!]

@Dr. Drake did you send mail to Stashfin and Akara Capital? Did anyone from Stashfin contacted you?

I got a call today from CC. They are telling i have filled my details and applied that's why the hard enquiry happened. Told the guy that i didn't apply neither i have the app. Still he was not ready to listen. Told him I will raise this with RBI.

Can someone else apply on my behalf using my KYC details? Is it possible?
@Wealth is my birth right! What's your opinion?

Yes quite possible
If you see lot of sbi agents use old data of clients who shared pan soft copy to create duplicate leads for month/year end targets

 

[MOhit __]

So agents can do Credit enquiry with just a PAN number? I am sure he will ask for the original PAN and Aadhar for verification before filling application details.

Reg this Akara Capital/Stashfin, they are a NBFC who provides credit lines and PLs. And the application process is completely online. I think they themselves did the enquiries and when exposed trying to put the blame on the customer.

As Ive already stated, I won't ask them to apply for credit card, instead I'll just ask them to see if I qualify for any card and how much credit limit I'll receive.

In the following step, they will simply enter your PAN card and check Cibil score.

 

[Fintellect]

This can happen, all you have to do is share your PAN with me.
I will go to the mall or Metro station, and im sure the SB* agent will ask me to apply credit card. I'll give them your PAN number to check how much of a card limit I will get.

Congrats, you got a new CIBIL hit.

Holy moly true.

 

[Card_Crafter]

This can happen, all you have to do is share your PAN with me.
I will go to the mall or Metro station, and im sure the SB* agent will ask me to apply credit card. I'll give them your PAN number to check how much of a card limit I will get.

Congrats, you got a new CIBIL hit.

I have checked with the agent recently. Now they require OTP to check credit limit also. Without OTP they can't submit. So no fear of unwanted CIBIL enquiry from SBI.

 

[satraghav]

I have checked with the agent recently. Now they require OTP to check credit limit also. Without OTP they can't submit. So no fear of unwanted CIBIL enquiry from SBI.

A week back, a friend of mine got a call from Bank Bazaar and was applied to RBL CC with no OTP, and later CIBIL entry was recorded with in half an hour. After waiting a week he called BB and was told that his CC was rejected. A day later he got pre-approved Bajaj RBL CC which he can't apply due to Unnecessary CIBIL hit.

 

[Card_Crafter]

A week back, a friend of mine got a call from Bank Bazaar and was applied to RBL CC with no OTP, and later CIBIL entry was recorded with in half an hour. After waiting a week he called BB and was told that his CC was rejected. A day later he got pre-approved Bajaj RBL CC which he can't apply due to Unnecessary CIBIL hit.

Well Bankbazaar is one of the biggest fraud in India. Stay away from them. They will call and tell you 'sir i am calling from XYZ bank. You have a pre-approved CC offer, please confirm your address for card delivery. ' once you confirm your address you will get the application number and CIBIL hard enquiry within minutes.

I threatened them in April with RBI Ombudsman, got multiple calls from their higher Level 2 and 3 officials. They were like 'sorry sir. We have taken action against the executive who has done the unauthorised enquiry.' but in reality they won't take any action. Had to reach out to the bank for the enquiry removal which was eventually removed.

Every Bank, NBFC and Financial institutions have different rules for accessing user's credit report. Some require OTP and user consent while some don't.

 

[Fintellect]

Well Bankbazaar is one of the biggest fraud in India. Stay away from them. They will call and tell you 'sir i am calling from XYZ bank. You have a pre-approved CC offer, please confirm your address for card delivery. ' once you confirm your address you will get the application number and CIBIL hard enquiry within minutes.

I threatened them in April with RBI Ombudsman, got multiple calls from their higher Level 2 and 3 officials. They were like 'sorry sir. We have taken action against the executive who has done the unauthorised enquiry.' but in reality they won't take any action. Had to reach out to the bank for the enquiry removal which was eventually removed.

Every Bank, NBFC and Financial institutions have different rules for accessing user's credit report. Some require OTP and user consent while some don't.

Did they removed the hard enquiry ?

 

[Card_Crafter]

Did they removed the hard enquiry ?

Bankbazaar can't remove or suppress the enquiry. I approached the concerned bank and they have removed the enquiry.

 

[amit]

CIBIL sent me an email about a new lender inquiry. I logged in to see if there was a new enquiry. I was shocked to see new inquiry for personal loan from lender "AKARACAPL." According to a basic Google search, it's a nbfc partner for stashfin.

I'm not familiar with Stashfin, but it's known for small loans in Delhi and neighbouring states. I have not applied for any loans this year. My fear Is my kyc data compromised? How can I safeguard myself? How were they able to generate new Inquiry using only my PAN?

any update?