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Date : Apr 7, 2009

Question

I have received the information from cibil saying that citibank has written off around 7.00 lacs for credit card which they claim I have taken somewhere in 1999 with the initial credit limit of 19k.As per my understanding I have not dealt with citibank in last 10 or more years but still citibank has filed my name in cibil saying that I have defaulted them.Due to this LIC Housing finance has withhold my loan application.I have tried calling citibank customer care to get more information on this but they are helpless as they say that they cannot view the records more than 1 year old.I send the mail to indiaservices@citi.com and they replied that they will charge me 100 rs for each statement I see starting from the 1999.Citibank is refusing to provide me the required information.Is is possible to file the criminal case against citibank ? I was studying the college 1999 and not sure as when did citibank gave me this card.

Answer

You can ask for your credit report from LIC Housing Finance or approach CIBIL to get a copy of your credit report. This right is given to you by Credit Information Companies Regulation Act, 2005. Make the request officially in writing and get an acknowledgement. Details: CREDIT INFORMATION BUREAU (INDIA) LIMITED, Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai 400021. Call: +91-2266384600/22817788, fax:+91-22 66384666, email:info@cibil. The report will outline what exactly is reported by the bank in respect to your credit account and enable you to take action. It will necessarily disclose the facts regarding your credit history, like delayed payments in the past, dues settled without write-offs on the part of the bank.

 

 

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