Legal Question in Credit and Debt Law in India

CIBIL bureau check

My payment history with ICICI bank on credit card and Vehicle loan has been bad..There were cheque bounced and the vehicle was impounded and even had a dispute with the credit card..All this happened 3 years back due to some financial crisis in my family.. That time itself i cleared all the charges against me and took the NOC from the bank..I am facing troubles today dealing with all the banks as ICICI have updated my profile on CIBIL (Bureau check maintained by all the Banks)..My banking history has been very good in last 2.5 years and there is not even a single bouncing and i am also regular in paying all my credit card bills..But the same thing is troubling me a lot..Is there any legal action that i can take or what can be done in this case..!!

Please help...


Asked on 9/26/07, 11:32 am

3 Answers from Attorneys

Re: CIBIL bureau check

Write to CIBIL and also seek appropriate direction as you had already paid all dues.

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Answered on 9/27/07, 1:16 pm
Homi Maratha N.N. Maratha & Co.-Advocates

Re: CIBIL bureau check

No you cannot take any legal actions against them rather you should make an application forwarded to the CIBIL and the Bank for screening your credentials one more time.

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Answered on 9/26/07, 3:25 pm
Jayesh Desai Jayesh Desai

Re: CIBIL bureau check

You can write to CIBIL - and tell that you have no commercial relationship with ICICI since 3 years (as stated by you) hence the ICICI comments against your account should not be taken, you can also approach Ombudsman, seeking direction against ICICI Bank to change your status as you have already paid up to ICICI.

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Answered on 9/27/07, 6:02 am


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