Unauthiored enquiries done by EXPERIEN CREDIT INFORMATION COMPANY

[mailmenow]

I could see that an unauthiored Enquiry in the name "EXPERIEN GPD CLIENT" and SBI CARDS AND PAYMENT PVT LTD. How a credit information company can check the Credit Enquiry behalf of customers??? I already raised the concern on 17-JAN-2024. But Whenever I am calling they informed me that they couldn't find any dispute raised with the automated reference number provided. I smell something fishy as I got a mail on the next day after raising the dispute stating that"we are working on your query". But they keep saying that they couldn't find any dispute raised with EXPERIEN GPD CLIENT. Have they intentionally done the same by not raising any dispute as the enquiry institution name is showing as"EXPERIEN GPD CLIENT"?? Any idea??

Escalated the same to their principal nodal officer,nodal officer multiple times regarding the same. None of them replied me back with a single reply. PNO, nodal of EXPERIAN BUREAU are totally waste.

 

[helloworld]

Check the same in CIBIL and resolve it, ignore Experian and other two companies, not much impact/useful.

 

[mailmenow]

Check the same in CIBIL and resolve it, ignore Experian and other two companies, not much impact/useful.

Not reflected in CIBIL. Registered complaint with RBI and Experien removed the same. Experien is not even trustworthy. They just ignore my mail.

 

[Swastik]

They're probably checking your eligibility for Personal Loan/Loan or card or BNPL ,

As @helloworld mentiined ,only cibil matters ,Experian ,Equifax and Crif don't matter much

But good thing you escalated to Rbi and got it removed

 

[mailmenow]

They're probably checking your eligibility for Personal Loan/Loan or card or BNPL ,

As @helloworld mentiined ,only cibil matters ,Experian ,Equifax and Crif don't matter much

But good thing you escalated to Rbi and got it removed

Escalation to RBI is the only way to remove. Sending mail to Experian nodal,pno are useless. They ignore your mail always

 

[mailmenow]

They're probably checking your eligibility for Personal Loan/Loan or card or BNPL ,

As @helloworld mentiined ,only cibil matters ,Experian ,Equifax and Crif don't matter much

But good thing you escalated to Rbi and got it removed

But RBI didn't take any action against EXPERIEN for committing such unauthiored enquiries done by a credit information bureau behalf of consumer

 

[Swastik]

But RBI didn't take any action against EXPERIEN for committing such unauthiored enquiries done by a credit information bureau behalf of consumer

Action will be taken against Financial institution doing credit check ,not the credit bureau

However in your case it seems Experian did credit enquiry on behalf of thier own client or something

P.s. Rbi should mandate OTP authorisation or some other form of Consent for credit enquiry

 

[mailmenow]

Action will be taken against Financial institution doing credit check ,not the credit bureau

However in your case it seems Experian did credit enquiry on behalf of thier own client or something

P.s. Rbi should mandate OTP authorisation or some other form of Consent for credit enquiry

Credit Enquiry check done by a credit information company is also a crime? So action should be taken against such credit information company.

 

[Swastik]

Credit Enquiry check done by a credit information company is also a crime? So action should be taken against such credit information company.

Perhaps, but they do it on request of registered Financial institutions ,
And without any Otp/Consent system in place ,there's no way for bureau to know whether the individual consented or not

 

[Strange]

I could see that an unauthiored Enquiry in the name "EXPERIEN GPD CLIENT" and SBI CARDS AND PAYMENT PVT LTD. How a credit information company can check the Credit Enquiry behalf of customers??? I already raised the concern on 17-JAN-2024. But Whenever I am calling they informed me that they couldn't find any dispute raised with the automated reference number provided. I smell something fishy as I got a mail on the next day after raising the dispute stating that"we are working on your query". But they keep saying that they couldn't find any dispute raised with EXPERIEN GPD CLIENT. Have they intentionally done the same by not raising any dispute as the enquiry institution name is showing as"EXPERIEN GPD CLIENT"?? Any idea??

Escalated the same to their principal nodal officer,nodal officer multiple times regarding the same. None of them replied me back with a single reply. PNO, nodal of EXPERIAN BUREAU are totally waste.

Now Experian is doing enquiry by "Bureau Disclosure Report with
Customized Match V3".

 

[mailmenow]

Now Experian is doing enquiry by "Bureau Disclosure Report with
Customized Match V3".

Whats that?? Please explain