Dear Sir,

SUB : ABSOLUTE CALLOUS ATTITUDE of CIBIL DEPARTMENT towards my CREDIT RATING

This is to bring to your notice that , in last 9 months , I have applied for Personal Loan at 7 different banks , and each time it has got declined . The reason cited by the credit officers of all these banks is that , my CIBIL report is bad , due to some 21000 outstanding shown against some credit card, showing closed in 2006.

Sir , this is just shocking and something damaging my reputation .

I do not have any outstanding against any Credit Card company , nor I am a defaulter.

Problem is that , the Credit Officers of all these banks , from where my personal loan applications have got declined , are expressing their inability to do anything at CIBIL and I do not have contact details or any knowhow or whereabouts of anybody at CIBIL whom I can escalate this issue.

After having lost all hopes from all quarters, I am forced to bring this to your kind notice ; and seek redresssal of my grievance.

Sir , I being a working class citizen, do keep needing Personal / Housing / Car loans , and I had infact availed Housing Loans and only one Credit Cards in the past , but all of those have clear track record . This 21000 outstanding is showing against which card even I do not know (since the CIBIL report does not reveal that) .

Request you to please , instruct CIBIL to solve this issue and clear my credit history.

Thanking You,

Shib Prasad Pattnaik.