Reserve Bank of India did not provide any reprieve as Experian did not rectify arbitrary entries which was made by blatantly misusing my PAN

 Grievance Status for registration number : PMOPG/E/2023/0107380

Grievance Concerns To

Name Of Complainant

Yogi M. P. Singh

Date of Receipt

24/05/2023

Received By Ministry/Department

Prime Ministers Office

Grievance Description

Home Affairs >> Matter Related to Unethical practices

The entire CIBIL report is filled with forge loan transactions but regulatory body RBI failed to take action in matter because of corruption. It is most unfortunate that regulatory body Reserve Bank of India does not have its own discretion it follows the corrupt reports ipso facto of banking institutions arbitrarily.

Grievance Status for registration number : PMOPG/E/2023/0087772, Grievance Concerns To Name Of Complainant Yogi M. P. Singh

Date of Receipt 26/04/2023

Following is the true details of the applicant as- Personal details on the Credit Account, Date of Birth 22-06-1971, Gender- Male, Mobile- 7379105911, ID Type PAN , ID Number- GSWPS08540Q, Date of issue- 26/04/2016 Income tax department, INCOME TAX DEPARTMENTMAHESH PRATAP SINGHS/O RAJENDRA PRATAP SINGH, Date of birth -22/06/1971,

RBI is failed to take action in the matter because of corruption in the matter. My PAN Card linked with my Aadhar Number has been misused because of corruption. As regards CIBIL enquiries, the REs such as Clix Capital Services Private Limited and Capfloat Financial Services Pvt. Ltd. have informed that CIBIL enquiries were made as you had enquired/applied for loan/credit facility and the same cannot be removed. I have not applied for any loan and my PAN Card linked with my Aadhar card was updated in two SBI Accounts which is the root cause of such a problem. SBI did not take action in the matter yet. They are seeking loan account numbers from the applicant. How can applicant make available loan account numbers if the loans were not taken by the applicant?

It is most unfortunate that Reserve Bank of India did not order proper enquiry into the matter concerning the blatant misuse of the PAN card linked with my Aadhar number.

These transactions do not contain the address of the PAN card date of birth of the PAN card mobile number of PAN card. Whether it is not true that Reserve Bank of India by colluding with financial institutions are looting the innocent and gullible people in th

Grievance Document

Current Status

Case closed   

Date of Action

03/07/2023

Remarks

The complainant concern is regarding non-updation of Loan closure in credit report.

Based on the above complaint, it is informed that as per Clix Capital:we wish to inform your good office that the customer has applied for a Personal Loan with Clix Capital through our website on March 28, 2021, that has been rejected at the credit stage.

As per the Experian:

We submit to the RBI BO office that basis the RBI complaint 00000040191978538 / SBI - the consumer claimed that the account does not belong to him. The same has now been resolved in favor of the Consumer. Thereafter, the necessary updation in the credit report has been completed by the Experian and the same has been confirmed by the complainant over telephone. Hence, the case has been resolved though facilitation.

Reply Document

Rating

1

Poor

Rating Remarks

ERN : 1685046753556, Report Date : 26-05-2023, 1 State Bank of India Business Loan - Priority Sector Agriculture XXXXXXXXXXXXX8538 Individual 31-03-2023 ACTIVE 24-05-2021 - 1,60,708.00 The link provided by the experian is not working.

Appeal Details

Appeal Number

DEABD/E/A/23/0016100

Date of Receipt

05/07/2023

Appeal Text

They had to send the applicant latest update as made by them in the CIBIL report. They have sent me following information through email which links are not working. The report obtained from other sources still remains same as it was earlier. Please direct them to provide evidence. Thank you for your continued co-operation. This is with reference to ticket logged under 02323379. We are pleased to inform you that, the details of your Experian Credit Information Report regarding Member Institution : SBI - LUCKNOW Account Number : 00000040191978538 Dispute Details : As per Consumer this Account Number (00000040191978538) does not belong to him. Sub Type : Account ownership issue Sub Type 1 : Account does not belong to me is now rectified. Click here to check your latest Experian report. The request 02323379 has been completed and we are treating this as resolved and hence closed. In case you want to respond to the same query 02323379 please write on the same email. Please feel free to write a separate email for any other queries. We will be glad to assist. Regards, Shaziya Ansari Consumer Support Team Experian Credit Information Company of India Private Limited www.experian.in

Current Status

Appeal Received

Officer Concerns To

Officer Name

Anil Pandotra (AGM)

Organisation name

ORBIO Shimla

Contact Address

Reserve Bank of India Main Market, Kasumpti Shimla

Email Address

anilpandotra@rbi.org.in

Contact Number

017726273

Gmail Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com>

Dispute resolved in your favour : ref:_00D2v1ddYE._5002ujXsUl:ref

1 message

Consumer Support <consumer.support@in.experian.com> 20 June 2023 at 14:20

To: "yogimpsingh@gmail.com" <yogimpsingh@gmail.com>

Dear Mahesh Singh,

Thank you for your continued co-operation.

This is with reference to ticket logged under 02323379. 

We are pleased to inform you that, the details of your Experian Credit Information Report regarding

Member Institution : SBI - LUCKNOW 

Account Number : 00000040191978538

Dispute Details : As per Consumer this Account Number (00000040191978538) does not belong to him.

Sub Type : Account ownership issue

Sub Type 1 :  Account does not belong to me

is now rectified. Click here to check your latest Experian report.

The request 02323379 has been completed and we are treating this as resolved and hence closed. 

In case you want to respond to the same query 02323379 please write on the same email. Please feel free to write a separate email for any other queries. We will be glad to assist. 

Regards,

Shaziya Ansari

Consumer Support Team

Experian Credit Information Company of India Private Limited

Gmail Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com>

Closure Intimation for Complaint N202324023086650 against Clix Capital Services Private Limited

1 message

RBI CMS Team <rbiteamcms@rbi.org.in> 30 June 2023 at 11:01

Reply-To: rbiteamcms@rbi.org.in

To: "yogimpsingh@gmail.com" <yogimpsingh@gmail.com>

भारतीय  रिज़र्व  बैंक

Reserve Bank of India

केंद्रीय प्राप्ति और प्रसंस्करण केंद्र

        Centralised Receipt and Processing Centre (CRPC)

आरबीआई/सीएमएस/N202324023086650/ 2023-24                                                                        दिनांक : 30-06-2023

RBI/CMS/N202324023086650/ 2023-24                                                                                   Date :30-06-2023

श्री/सुश्री Yogi M P Singh

Shri/Ms. Yogi M P Singh

Mohalla Surekapuram Colony Shri Laxmi Narayan Baikunth Mahadev Mandir Shri Laxmi Narayan Baikunth Mahadev Mandir

महोदया/महोदय

Madam/Dear Sir

Clix Capital Services Private Limited के विरुद्ध शिकायत N202324023086650 को बंद करने की सूचना 

Closure Intimation for Complaint  N202324023086650 against  Clix Capital Services Private Limited

कृपया सीएमएस पोर्टल/ ईमेल/ पत्र के द्वारा  Clix Capital Services Private Limited के विरुद्ध लोकपाल के पास दर्ज की गई अपनी शिकायत देखें।

Please refer to your complaint against Clix Capital Services Private Limited filed through the CMS portal/email/letter with the Ombudsman.

2.  The Regulated Entity (Experian) has submitted that they have Corrected the record of the complainant and the same is communicated to the complainant. Therefore, you are requested to generate a fresh credit report and if the same has not updated, you may again approach to the office ORBIO.

3. तदनुसार, आपकी शिकायत को रिज़र्व बैंक - एकीकृत लोकपाल योजना, 2021  के खंड 14(9)((a)/(b)) 3(1)(h) -Facilitation, जिसे निम्‍नप्रकार पढा जाए, के तहत बंद किया जाता है:

“The grievance raised in the complaint has been resolved through facilitation by the Deputy Ombudsman as per the Clause 14(9)((a)/(b)) read with 3(1)(h) of the Reserve Bank - Integrated Ombudsman Scheme, 2021.”

3. In view of the above, the complaint has been closed under clause 14(9)((a)/(b)) 3(1)(h) -Facilitation, of the Reserve Bank - Integrated Ombudsman Scheme, 2021, which reads as under:

“The grievance raised in the complaint has been resolved through facilitation by the Deputy Ombudsman as per the Clause 14(9)((a)/(b)) read with 3(1)(h) of the Reserve Bank - Integrated Ombudsman Scheme, 2021.”.

4. कृपया यह नोट करें कि उक्‍त खंड के तहत बंद की गई शिकायत गैर-अपीलीय है। अगर आप उप लोकपाल/ लोकपाल के निर्णय से संतुष्‍ट नहीं है तो आपको यह विकल्‍प प्राप्‍त है कि आपकी शिकायत के निवारण हेतु विधि द्वारा स्‍थापित कोई अन्‍य मंच/ न्‍यायालय/ विधि प्राधिकरण से संपर्क कर सकते हैं।

4. Please note that the complaints closed under the above clause are non-appealable. In case you are not satisfied with the decision of theDeputy Ombudsman/Ombudsman, you have an option to approach any other Forum/Court/Legal authority in accordance with the law for redressal of your grievance.

5. यह उप लोकपाल/ लोकपाल के अनुमोदन से जारी किया जा रहा है।

5. This is issued with the approval of Deputy Ombudsman/Ombudsman.

6. आपसे अनुरोध है कि उक्‍त निवारण से संबंधित अपनी फीडबैक https://cms.rbi.org.in  पर दें।

6. You are requested to provide feedback for the above resolution on https://cms.rbi.org.in

7. लोकपाल योजना के विवरण https://cms.rbi.org.in पर उपलब्‍ध है। इस के संबंध में कोई सूचना/ स्‍पष्‍टीकरण हेतु, आप “Toll Free Number: 14448 (Between 9:30AM - 5:15PM)” पर संपर्क कर सकते हैं।

7. The details of the Scheme are available at https://cms.rbi.org.in. For any information/clarification, you may approach us on “Toll Free Number: 14448 (Between 9:30AM - 5:15PM)”

8. यह एक सिस्‍टम जनरेटड पत्र है और इसमें हस्‍ताक्षर की आवश्‍यकता नहीं है। इस ई मेल के लिए उत्‍तर न दें। इस ईमेल पर प्रेषित उत्‍तर के लिए किसी भी प्रकार का जवाब नहीं दिया जा सकता।

8. This is a system generated letter and does not require a signature. Please do not reply to this email. Replies to this email cannot be responded to.

सादर,

Regards,        

आरबीआई सीआरपीसी

RBI CRPC

Gmail Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com>

Experian ref no: 02323379 : Email received ref:_00D2v1ddYE._5002ujXsUl:ref

1 message

Consumer Support <consumer.support@in.experian.com> 20 June 2023 at 10:58

To: "yogimpsingh@gmail.com" <yogimpsingh@gmail.com>

Dear Mahesh Singh,

Thank you for contacting Experian Credit Information Company of India Pvt Ltd.

Your request is logged against : 02323379 . This request has been raised with the

Name of the Financial Instituition : State Bank of India 

Account Number : 00000040191978538

Date of the email received : 16/6/2023

Date of dispute raised :  20/6/2023

We had received your email with all the necessary information and raised it with the financial institution. We are awaiting the response from the bank for us to resolve the same at our end. The regulations governing the dispute resolution process gives us 30 days from the date of the details received to resolve the same basis the information received from the financial institution.

Kindly use this reference number 02323379 for any further communication. 

Thank you for your support & please feel free to contact us for any further queries.”

Regards,

Shaziya Ansari

Consumer Support Team

Experian Credit Information Company of India Private Limited

www.experian.in

Get your Experian Credit Report & Score today, click here

To see the CIBIL report attached to grievance, click on the link