I recently discovered that SBI cards has incorrectly tagged me defaulter in their card account. I have never had any SBI credit card. How to resolve this issue?
Anyway, there are two options. One is to obtain a credit report from a credit bureau like Transunion-CIBIL and file a dispute against SBI Cards.
It can be done via this link https://www.cibil.com/consumer-dispute-resolution. For this, you will need a recent credit report. You need to provide control number (CN-it will be on the CIBIL report) along with your personal details and the nature of the dispute.
Secondly, you can approach SBI Cards. Send them an email along with the report where you are shown as a defaulter. In addition, you can also use Twitter for this (but do not disclose your credit report details on social media).
Suppose SBI Cards does not resolve the dispute filed on the CIBIL site within 30 days. In that case, CIBIL uses an automated process where a daily reminder is sent to the bank / CI until the dispute is resolved.
Alternatively, you can again initiate a dispute request with CIBIL, which will re-verify it with the relevant credit institution and update its records accordingly.
Sucheta Dalal Trustee - Moneylife Foundation
Abhay Datar Abhay Datar is a consumer activist and is also Member of the Managing Committee of Mumbai Grahak Panchayat (MGP). He was Treasurer at MGP for over two and a half years. After working at Bank of Baroda for about 29 years, he retired as IT Manager. After retirement, Mr Datar joined Consumer Guidance Cell of MGP in 2008 and solved many cases related to banking including online fraudulent transactions, misuse of credit cards and ATM cards. Also handled cases related to mobile and mediclaim. Mr Data
Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank
R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.
Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues
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