https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9154934
You can enquire again from cibil, i.e HDFC, Yes link.
no harm, as far as I know.
unauthorised loan enquiry
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Hi Team, i was casually looking at my cibil report, and i found that IDFC made an unauthorised consumer loan enquiry in January. Can you please help with the following:
1. Is this even possible? I have an IDFC credit card, but can they submit any loan enquiry without my consent?
2. I raised this to the bank, and they are asking for cibil report (pdf). Which app/ website should i use to get free cibil report pdf? (I used Amazon pay to view my cibil on 15th march.) Will checking the cibil again, impact anything, in anyways?
1. Is this even possible? I have an IDFC credit card, but can they submit any loan enquiry without my consent?
2. I raised this to the bank, and they are asking for cibil report (pdf). Which app/ website should i use to get free cibil report pdf? (I used Amazon pay to view my cibil on 15th march.) Will checking the cibil again, impact anything, in anyways?
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https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9154935
what do you think about the nature of a credit card?
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9154976
@name_less Hope you got the point @ConfirmPassword as mention 👍🏼
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9155131
ConfirmPassword wrote:what do you think about the nature of a credit card?
Sorry. I didn't get this point.
I am holding IDFC First bank credit card since last year. I haven't applied for any card of any loan this year, and yet in my cibil report there is a mention of enquiry made by IDFC in Jan. My question is, can they make enquiries without our consent?
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9155136
Chiggy_Wiggy_Buoy wrote:
You can enquire again from cibil, i.e HDFC, Yes link. no harm, as far as I know.
Thanks.. will download the report and raise a formal complaint 
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9155192
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name_less wrote:Sorry. I didn't get this point.
I am holding IDFC First bank credit card since last year. I haven't applied for any card of any loan this year, and yet in my cibil report there is a mention of enquiry made by IDFC in Jan. My question is, can they make enquiries without our consent?
Credit card is a unsecured loan and enquiry will be made by the bank against a loan. Are you sure that it is a consumer loan?
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9155485
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Nevertheless, Bank shouldn't be carrying out even credit card enquiries without our consent, ryt? Anyways, lets see what bank has to say now.
ConfirmPassword wrote:I dont think so. We have separate categories for consumer loan and for credit card, so i am pretty sure it was for consumer loan.Credit card is a unsecured loan and enquiry will be made by the bank against a loan. Are you sure that it is a consumer loan?
Nevertheless, Bank shouldn't be carrying out even credit card enquiries without our consent, ryt? Anyways, lets see what bank has to say now.
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9155499
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name_less wrote:
I dont think so. We have separate categories for consumer loan and for credit card, so i am pretty sure it was for consumer loan.
Nevertheless, Bank shouldn't be carrying out even credit card enquiries without our consent, ryt? Anyways, lets see what bank has to say now.
Care to share a screenshot?
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9155657
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name_less wrote:
Nevertheless, Bank shouldn't be carrying out even credit card enquiries without our consent, ryt?
they are not supposed to but they do, another dimer also posted similar issue
Even I faced Edu loan/autoloan etc but never cared for them as its tedious to pursue for months together and have major CC/homeloan so CIBIL not so important
we need credit lock like aadhaar lock
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9156048
Did you try for Cred Cash?
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9157268
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ConfirmPassword wrote:Sure. I was under an impression that everyone's cibil would have same category group (consumer loan and credit card enquiry as separate groups). Cant understand how yours is different.Care to share a screenshot?
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9157269
Btw, IDFC guyz called.. as usual, they said it was due to some technical glitch. They will get this dropped at cibil's end.
https://www.desidime.com/discussions/unauthorised-loan-enquiry?page=1#post_9157984
name_less wrote:Btw, IDFC guyz called.. as usual, they said it was due to some technical glitch. They will get this dropped at cibil's end.
Do u have saving account with them ? If so it will be one of the following..
Apart from cc they were offering consumer durable loan via easy emi card just like Bajaj emi card. If any limit was created then it will reflect in the cibil..
They r offering it for most the sb account holders by default..
Otherwise it may be debit emi limit facility... Check whether u have any debit card emi limit available...
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