Unauthorised CIBIL hard hit by MIRAESFSL (Mirae Asset Financial Services Ltd) for Credit Card. What to do next legally? How can I be safe from Fraud?

[flash_o_holic]

Hi everyone,

I just noticed an unexpected CIBIL enquiry on my report and received a message from CIBIL regarding the same. The details are as follows:

📅 Date of Enquiry: 15/10/2025
🏢 Member Name: MIRAEESFSL (Mirae Asset Financial Services Ltd)
🎯 Purpose: Credit Card
📱 Message Received:

> “Your CIBIL Score & Report was checked by MIRAESFSL ECN:97****2090 on 2025-10-15 19:30:32.”



The issue is — I never applied for any Mirae Asset credit card or loan. I’m based in India and this seems to be an unauthorised enquiry.


---

✅ What I’ve done so far

1. Verified my CIBIL report — the enquiry is showing under my profile.

2. Contacted Mirae Asset via email at:

📧 grievance@miraeassetfin.com

3. Raised a dispute with CIBIL in their website.


❓What I’d like to know from the community

Has anyone else faced unauthorised CIBIL pulls from Mirae Asset recently?

How long does it take CIBIL to remove such entries?

Should I escalate this to the RBI Ombudsman if it’s not resolved?

Any other preventive steps to protect PAN and credit data?

 

[SSV]

Hi everyone,

I just noticed an unexpected CIBIL enquiry on my report and received a message from CIBIL regarding the same. The details are as follows:

📅 Date of Enquiry: 15/10/2025
🏢 Member Name: MIRAEESFSL (Mirae Asset Financial Services Ltd)
🎯 Purpose: Credit Card
📱 Message Received:

> “Your CIBIL Score & Report was checked by MIRAESFSL ECN:97****2090 on 2025-10-15 19:30:32.”



The issue is — I never applied for any Mirae Asset credit card or loan. I’m based in India and this seems to be an unauthorised enquiry.


---

✅ What I’ve done so far

1. Verified my CIBIL report — the enquiry is showing under my profile.

2. Contacted Mirae Asset via email at:

📧 grievance@miraeassetfin.com

3. Raised a dispute with CIBIL in their website.


❓What I’d like to know from the community

Has anyone else faced unauthorised CIBIL pulls from Mirae Asset recently?

How long does it take CIBIL to remove such entries?

Should I escalate this to the RBI Ombudsman if it’s not resolved?

Any other preventive steps to protect PAN and credit data?

DId you apply for any credit product via any third party recently or in the recent past..
just try to remeber everything you did in the last 3 months?

 

[aayusharyan]

Hi everyone,

I just noticed an unexpected CIBIL enquiry on my report and received a message from CIBIL regarding the same. The details are as follows:

📅 Date of Enquiry: 15/10/2025
🏢 Member Name: MIRAEESFSL (Mirae Asset Financial Services Ltd)
🎯 Purpose: Credit Card
📱 Message Received:

> “Your CIBIL Score & Report was checked by MIRAESFSL ECN:97****2090 on 2025-10-15 19:30:32.”



The issue is — I never applied for any Mirae Asset credit card or loan. I’m based in India and this seems to be an unauthorised enquiry.


---

✅ What I’ve done so far

1. Verified my CIBIL report — the enquiry is showing under my profile.

2. Contacted Mirae Asset via email at:

📧 grievance@miraeassetfin.com

3. Raised a dispute with CIBIL in their website.


❓What I’d like to know from the community

Has anyone else faced unauthorised CIBIL pulls from Mirae Asset recently?

How long does it take CIBIL to remove such entries?

Should I escalate this to the RBI Ombudsman if it’s not resolved?

Any other preventive steps to protect PAN and credit data?

Maybe they are doing a credit check / finance provision on partnership with some NBFC... Did you apply for an NBFC Personal Loan / CC, something like that?

 

[hender]

Hi everyone,

I just noticed an unexpected CIBIL enquiry on my report and received a message from CIBIL regarding the same. The details are as follows:

📅 Date of Enquiry: 15/10/2025
🏢 Member Name: MIRAEESFSL (Mirae Asset Financial Services Ltd)
🎯 Purpose: Credit Card
📱 Message Received:

> “Your CIBIL Score & Report was checked by MIRAESFSL ECN:97****2090 on 2025-10-15 19:30:32.”



The issue is — I never applied for any Mirae Asset credit card or loan. I’m based in India and this seems to be an unauthorised enquiry.


---

✅ What I’ve done so far

1. Verified my CIBIL report — the enquiry is showing under my profile.

2. Contacted Mirae Asset via email at:

📧 grievance@miraeassetfin.com

3. Raised a dispute with CIBIL in their website.


❓What I’d like to know from the community

Has anyone else faced unauthorised CIBIL pulls from Mirae Asset recently?

How long does it take CIBIL to remove such entries?

Should I escalate this to the RBI Ombudsman if it’s not resolved?

Any other preventive steps to protect PAN and credit data?

Do you any how checked / given consent for anything related to MF Loan / Mirae Asset AMC MF purchase etc.. on Mutual Fund App or any 3rd Party App.
As mirae asset fin is part of Mirae Asset Group

Your Financing Needs Simplified - Mirae Asset Financial Services

Mirae Asset Financial Services (India) is a registered Non-Banking Financial Company (NBFC). MAFS offers retail and institutional lending services in India. Retail customers can download the mobile application from appstore and avail loans that best suit their needs.

www.miraeassetfin.com

If all NO, you reported already in CIBIL 1👍

 

[ak_1978]

I have a similar concern too. There was a CIBIL enquiry from home credit for personal loan. I have never enquired or asked for a personal loan

 

[flash_o_holic]

DId you apply for any credit product via any third party recently or in the recent past..
just try to remeber everything you did in the last 3 months?

No, nothing for sure. also I am so strange to see that they have used credit card option instead of personal loan.

 

[flash_o_holic]

Also got a reply from miraeasset finance team that it's from their subsidiary sharekhan finance. Currently I have mailed both of them (miraeasset finance and sharekhan finance) with a new mail and tagging alternate ones in the cc field.

Now waiting to see their reply about the shaddy buisness practice.

 

[flash_o_holic]

Do you any how checked / given consent for anything related to MF Loan / Mirae Asset AMC MF purchase etc.. on Mutual Fund App or any 3rd Party App.
As mirae asset fin is part of Mirae Asset Group

Your Financing Needs Simplified - Mirae Asset Financial Services

Mirae Asset Financial Services (India) is a registered Non-Banking Financial Company (NBFC). MAFS offers retail and institutional lending services in India. Retail customers can download the mobile application from appstore and avail loans that best suit their needs.

www.miraeassetfin.com

If all NO, you reported already in CIBIL 1👍

no bro, nothing from their finance or mf company.

yeah, 30days is their ultimatum, after that will lodge a fomal compaint on rbi ombudsman.

 

[flash_o_holic]

report it

I have a similar concern too. There was a CIBIL enquiry from home credit for personal loan. I have never enquired or asked for a personal loan

If you don't apply for it then I think you should lodge a complaint on cibil and mail the institution about the same.

 

[hender]

no bro, nothing from their finance or mf company.

yeah, 30days is their ultimatum, after that will lodge a fomal compaint on rbi ombudsman.

In your case, it's MUST, unnecessary bothering innocent customers...

 

[flash_o_holic]

In your case, it's MUST, unnecessary bothering innocent customers...

yes bro, unnecessary headache 😞