They have all date pan mobile number do etc . Banks employee are sold users data to these companies. So better never responded to unknown IVR or click on links. If you respond to IVR or click link they enquire on CIBIL many time without OTP also
This got me thinking. I probably got a few calls from IVRs and I disconnect immediately once I realize that it is a robocall. I also saw that some of the SMSs were from WeCredit and they seem to be a phoney front end for Fibe.
I have also faced this in the past but at that time I was not aware of RBIO and didn't complaint. My CIBIL shows 7 active loans but I actually have only one, Uni Paycheck. Rest all are zero balance and not applied by me at any point of time. I don't bother about these as it gives me a good credit mix and most likely has a positive impact on my CIBIL score.
I did complain to RBI. They closed it without appeal stating that EarlySalary made the inquiry based on the request which came through one of their partners 🙁 . No more details provided. Hats off to RBI to spend on spamming messages and tv ads about online security, but didn't bother to assist a customer reporting fraud - someone could be impersonating and taking a loan on my behalf. Note: I contacted EArlySalary (Fine) directly and WeCredit . WC told me that the information was received from a third party which they are not willing to share. 😡 . Now, no more avenues to complain other than going to cyber police. I don't have time and energy to run behind it.
You can file FIR online. Try reopening the RBIO complaint. Sometimes the person reviewing the case is off. They have to provide some proof of consent. If they say they have used your mobile number, some SMS / IVR validation proof must be present with them.
