Credit Information Company Criff deleted all bogus loan accounts from CIBIL report, but action was not taken against wrongdoers


Grievance Status for registration number: DEABD/E/2023/0082729

Grievance Concerns To

Name Of Complainant

Yogi M. P. Singh

Date of Receipt


Received By Ministry/Department

Financial Services (Banking Division)

Grievance Description

Financial Services (Banking Division) >> Fraud

Department/Bank/Financial Institute : Reserve Bank of India

Closure Intimation for Complaint N202324023382700 against CRIF High Mark Credit Information Services Private Limited.

RBI CMS Team Inform the applicant on 6th December 2023 as follows.

RBI/CMS/N202324023382700/ 2023-24, Date :06-12-2023

Shri/Ms. Yogi M P Singh, Mohalla Surekapuram Colony Shri Laxmi Narayan Baikunth Mahadev Mandir Shri Laxmi Narayan Baikunth Mahadev Mandir

Madam/Dear Sir, Closure Intimation for Complaint  N202324023382700 against  CRIF High Mark Credit Information Services Private Limited.

Please refer to your complaint against CRIF High Mark Credit Information Services Private Limited filed through the CMS portal/email/letter with the Ombudsman.

After examination of your complaint, it is observed that CRIF has removed the disputed loan account from your report and updated report has been sent to you by mail on 21/11/2023. A mail has been sent by this office on 26/11/2023 to obtain your comments on the resolution provided by CRIF but you have not provided any response within stipulated time. Thus, your complaint is closed as resolved. Criff.

I have made the complaint against your resolution as you resolve my problem partially. There is still an active loan account in my cibil report provided by CRIF High Mark Credit Information Services Private Limited. Grievance Status for registration number: DEABD/E/2023/0080802

Grievance Concerns To Name Of Complainant-Mahesh Pratap Singh alias Yogi M. P. Singh, Date of Receipt-28/11/2023

Received By Ministry/Department-Financial Services (Banking Division)

You have excluded one bank loan account in which my PAN was updated out of 13 bank accounts. The applicant has only one bank account which was opened in the State Bank of India which means the rest of the 11 bogus bank accounts are still not excluded in which my PAN was updated by the corrupt staff of the banks by colluding with the fraudulent elements.

There is still an anonymous bank loan account active with my PAN in which the balance is of rupees 1000

Grievance Document

Current Status

Case closed   

Date of Action




A CMS complaint regarding the issue raised by you has been registered with office of RBI Ombudsman Kanpur. The complaint has been processed and subsequently disposed of as per applicable clause under the RBIOS-2021. Please find attached closure letter containing details of the processing and subsequent resolution provided.

Reply Document




Rating Remarks

It is quite obvious from the available information by the credit information company now bogus accounts are not reflecting under my permanent account number that is PAN. A common man knows that the transaction concerning my PAN was made by the fraudulent elements with the financial institutions which were provided by the credit information company and now credit information company is not providing that information and that information has been eliminated by the company. But it is bitter truth no action has been taken against the fraudulent elements and the bank staff who colluded with the fraudulent elements to misuse my pan card. Undoubtedly this action is in the favour of applicant in future prospects, but it is truth that no action has been taken against the wrongdoer who gave the mental trauma to the applicant for many years through such bogus dealings.

Appeal Details

Appeal Number


Date of Receipt


Appeal Text

It is quite obvious that no action has been taken against the financial institutions who deliberately misused my permanent account number by colluding with the fraudulent elements. Reserve Bank of India is the regulatory body of the financial institutions, and these financial institutions are indulged in unlawful practises by colluding with the cheaters who are cheating innocent and gullible people so it is obligatory duty of the regulatory body to look into such allegations and fixing the accountability of the concerned financial institutions but it is not being done which is quite obvious from the redressal of the grievance by the Ombudsman of Reserve Bank of India. Now it has been proved that my permanent account number was updated in 12 bogus accounts by the fraudulent elements by winning the confidence of the staff of the banking institutions, but it was overlooked by the concern authority. Credit information company only provided the information concerning the misuse of the permanent account number and this information company was not defaulter here defaulter is the financial institutions which updated my permanent account number in bogus loan accounts they must be subjected to the scrutiny under the appropriate law of land but it was not done unfortunately.

Current Status

Appeal Received

Officer Concerns To

Officer Name

Chandini Moolchandani (RBI Ombudsman Kanpur)

Organisation name

Reserve Bank of India

Contact Address

M.G. Road, Post Box No.8,2 Kanpur Kanpur

Email Address

Contact Number


Reminder(s) / Clarification(s)

Reminder Date



There is still an anonymous bank loan account active with my PAN in which the balance is of rupees 1000 which must be eliminated from the PAN of the applicant. Whose details are as follows.

The following details made available by the credit information company CRIF High Mark Regarding revenues registered as N202324023301522 Yogi M P Singh By Reserve Bank of India Ombudsman.

Inquiry Input Information

Name: MAHESH PRATAP SINGH DOB/Age: 22-06-1971 Gender: MALE

Father: RAJENDRA PRATAP SINGH Spouse: Mother:

Phone Numbers: 7379105911 ID(s): GSWPS0850Q PAN Email ID(s): Entity Id:


Type-Primary Match, Number of Account(s)-12, Active Account(s)-1, Overdue Account(s)-0, Current Balance-1000, Amt Disbd/ High Credit-1000

This personal loan is active in my PAN details which is attached to this grievance.

Account Information

1 Account Type: PERSONAL LOAN Credit Grantor: XXXX Account: xxxx Info. as of: 31-12-2021 ACTIVE

Ownership: INDIVIDUAL Disbursed Date: 27-12-2021 Disbd Amt/High Credit: 1,000

Credit Limit: Last Paid Date: Current Balance: 1,000

For the more details, vide attached document to the grievance made available by credit information company CRIF High Mark on 21 Nov 2023, 17:17.

This is humble request of the applicant to Honourable Sir that my PAN must be separated from 11 bogus bank accounts opened by the fraudulent elements as soon as possible. After numerous complaints you eliminated only one bank account from CIBIL report while the complaints are being made to eliminate entire bogus accounts in which my PAN was updated.

Final Cibil Report no loan account no bogus bank account, please click on the link

Cibil report containing details of transactions, please click on the link

To see the CIBIL report provided by the branch manager city branch Mirzapur, click on the link


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