Someone's Credit acoount is showing on my EXPERIAN instead of mine.

[Raja4ext]

I recently checked my credit score on CRED. All of a sudden my score dropped to 500. When I cheked the details I found that this account doesn't belong to me. I don't know why this account is showing in my dashboard. Account holder's name, PAN card, Mail id, nothing belongs to me. This is a different person.

I only have credit cards and no default. Score was above 790. And I also checked my CIBIL. CIBIL is showing my personal account. But I don't know what happened to my experian.

What to do ? Please help.


*Sorry if I broke any rules. I just created an account here to ask this.

 

[venkatesh9]

I recently checked my credit score on CRED. All of a sudden my score dropped to 500. When I cheked the details I found that this account doesn't belong to me. I don't know why this account is showing in my dashboard. Account holder's name, PAN card, Mail id, nothing belongs to me. This is a different person.

I only have credit cards and no default. Score was above 790. And I also checked my CIBIL. CIBIL is showing my personal account. But I don't know what happened to my experian.

What to do ? Please help.
View attachment 73187

*Sorry if I broke any rules. I just created an account here to ask this.

I encountered a similar issue where another person’s name appears instead of mine, although the PAN card and address details are correct.

Please email info@cibil.com with your name and PAN number, explaining that the name on the report is incorrect. Additionally, some of my credit card and loan accounts are mistakenly linked with another person’s accounts.

Kindly update the records to reflect the correct name.

 

[neo.puneet]

I recently checked my credit score on CRED. All of a sudden my score dropped to 500. When I cheked the details I found that this account doesn't belong to me. I don't know why this account is showing in my dashboard. Account holder's name, PAN card, Mail id, nothing belongs to me. This is a different person.

I only have credit cards and no default. Score was above 790. And I also checked my CIBIL. CIBIL is showing my personal account. But I don't know what happened to my experian.

What to do ? Please help.
View attachment 73187

*Sorry if I broke any rules. I just created an account here to ask this.

seems to be a glitch, even my info is showing different in super money app, in cred it is showing correctly

 

[SSV]

I encountered a similar issue where another person’s name appears instead of mine, although the PAN card and address details are correct.

Please email info@cibil.com with your name and PAN number, explaining that the name on the report is incorrect. Additionally, some of my credit card and loan accounts are mistakenly linked with another person’s accounts.

Kindly update the records to reflect the correct name.

As a first step, please register here directly in experian and check your socre and see whether the details are matched / not?
and update here..

We will go step by step..

Experian Credit Score

consumer.experian.in

 

[TechnoFi]

I recently checked my credit score on CRED. All of a sudden my score dropped to 500. When I cheked the details I found that this account doesn't belong to me. I don't know why this account is showing in my dashboard. Account holder's name, PAN card, Mail id, nothing belongs to me. This is a different person.

I only have credit cards and no default. Score was above 790. And I also checked my CIBIL. CIBIL is showing my personal account. But I don't know what happened to my experian.

What to do ? Please help.
View attachment 73187

*Sorry if I broke any rules. I just created an account here to ask this.

kindly raise a dispute with experion mentioning all facts.

 

[RkrRkr is verified member.]

I recently checked my credit score on CRED. All of a sudden my score dropped to 500. When I cheked the details I found that this account doesn't belong to me. I don't know why this account is showing in my dashboard. Account holder's name, PAN card, Mail id, nothing belongs to me. This is a different person.

I only have credit cards and no default. Score was above 790. And I also checked my CIBIL. CIBIL is showing my personal account. But I don't know what happened to my experian.

What to do ? Please help.
View attachment 73187

*Sorry if I broke any rules. I just created an account here to ask this.

Raise dispute highlighting the accounts with Experian via website or on mobile and they will resolve in your favour if by mistakengly added in your credit report by their system.
I have also faced the same,Raised the dispute and within a month got resolution in favour.

 

[Raghav2006]

If possible can anyone please teach me on how it is possible to have a credit utilisation of more than 100%?

I mean we can't use a credit card above it's CL it declines (I guess) right?

 

[tachniki]

Is it cred bug (whole report is not yours) or Experian issue (one account in report is not yours) ? @SSV suggestion is best to confirm this by downloading directly from Experian.

If it is Cred bug, feel free to take them on twitter for leaking other people data. 😁

 

[tachniki]

If possible can anyone please teach me on how it is possible to have a credit utilisation of more than 100%?

I mean we can't use a credit card above it's CL it declines (I guess) right?

You can go above credit limit. You will be charged a lot.

 

[Raghav2006]

You can go above credit limit. You will be charged a lot.

Can you please provide me an example if you don't mind?
Like if I have an ICICI card with 10k limit and use it beyond what will happen?

 

[alwayswin69]

Same thing happened to me aswell, generate a report from experian's site, then contact their customer support via email stating someone else's details were being displayed in your report, also attach the report generated on their website..
They'll update your report within 7 days

 

[SSV]

Same thing happened to me aswell, generate a report from experian's site, then contact their customer support via email stating someone else's details were being displayed in your report, also attach the report generated on their website..
They'll update your report within 7 days

Yes, I think it was your case , we were discussing recently right?

 

[alwayswin69]

Yes, I think it was your case were discussing recently right?

Yessyess . .

 

[alwayswin69]

Can you please provide me an example if you don't mind?
Like if I have an ICICI card with 10k limit and use it beyond what will happen?

By default you won't be able to use it above your credit limit (i e. 10k in this scenario), but if you enable the over limit option (to use your cc above your credit limit) you'll be able to use it altho there are extra charges to avail that facility and your credit score will also take a drastic hit

 

[tachniki]

Can you please provide me an example if you don't mind?
Like if I have an ICICI card with 10k limit and use it beyond what will happen?

Now there is consent required. But I remember same was not case decade back.

 

[Raja4ext]

Update : Thanks to your suggestions, I checked the report form EXPERIAN directly. Thankfully everything is fine there. Thanks a lot guys for the help. But I don't understand how can I receive someone else's OTP. When i clicked on the report it redirected me to experian website and then it asked for the OTP. And then it showed me SOMEONE else's profile to lodge the complaint.

 

[Raghav2006]

View attachment 73205

Now there is consent required. But I remember same was not case decade back.

Got it, thanks for providing me a new learning.

 

[SSV]

Update : Thanks to your suggestions, I checked the report form EXPERIAN directly. Thankfully everything is fine there. Thanks a lot guys for the help. But I don't understand how can I receive someone else's OTP. When i clicked on the report it redirected me to experian website and then it asked for the OTP. And then it showed me SOMEONE else's profile to lodge the complaint.

Then it is CRED’s wrong mapping .. complain to CRED via twitter/ app , if you want to further pursue the matter.. they will fix it in CRED...

All the best

 

[vaibhav111vaibhav111 is verified member.]

If possible can anyone please teach me on how it is possible to have a credit utilisation of more than 100%?

I mean we can't use a credit card above it's CL it declines (I guess) right?

Must be over the credit limit options was enabled by the user that how.

 

[tachniki]

Must be over the credit limit options was enabled by the user that how.

Another possibility is that he made no or partial payment for his credit card bill. With interest and penalty, his amount payable (credit utilization) can go above his credit limit.