When writing a letter to the bank regarding incorrect details in your CIBIL report, it's crucial to maintain a polite tone and clearly explain the issue. Provide essential details such as your name, account number, and the specific discrepancies in the CIBIL report. Attach any relevant documents, such as a No Objection Certificate (NOC) or payment records, to support your claim. Request the bank to rectify the errors to prevent any negative impact on your credit score.
Sample Letter to Bank Regarding Wrong Details in CIBIL Report
To,
The Branch Manager,
_____________ (Bank Name),
_____________ (Address)
Date: __/__/____ (Date)
Subject: Wrong CIBIL report due to _______ (details)
Respected Sir/Madam,
I would like to bring into your kind consideration that my name is __________ (Name) and I am a loan account holder in your branch for last __________ (Months/Years). My account number is ___________ (Account Number).
Respected, I am hereby writing this letter in reference to the CIBIL report I requested on __/__/____ (Date). I would regret to inform you that the CIBIL report I received is stating ________ loan details which are adversely affecting the CIBIL report). As per my records and data, I have already _______ (repaid all loan amount/cleared dues). I also do carry a NOC issued to me by your bank.
I request you to kindly look into the matter so that my credit score will not get affected and get improved. I am enclosing __________ (Copy Of NOC/ No dues letter/ EMI Payment Records) pertaining to above-said loan account.
Thanking You,
____________ (Signature)
____________ (Name),
____________ (Address)
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Sandeep Bhandari