Dipankar Ghosh reports Bandhan Bank for generating his CRIF credit report without consent. Choice4Voice.com highlights unauthorized banking practices and guides customers on legal escalation and RBI complaint filing for data privacy violations.
Complaint Summary Table : Bandhan Bank Complaint: Unauthorized Credit Report Generation by Dipankar Ghosh
| Complainant Name | Dipankar Ghosh |
|---|---|
| Company / Brand | Bandhan Bank |
| Complaint Type | Unauthorized Credit Report / Data Privacy Violation / Poor Banking Practices |
| Product / Service | Credit Facility / CRIF Credit Report |
| Issue Description | CRIF credit report generated by Bandhan Bank without consent, despite no relationship or credit application. |
| Date of Incident | 3 days ago (from post date) |
| LinkedIn Post URL | Original Post |
About the Brand: Bandhan Bank
Bandhan Bank is a private sector bank in India offering retail, business, and microfinance banking solutions. While known for its wide microfinance network, occasional complaints have highlighted issues with unauthorized account activity and poor transparency in credit reporting practices.
Key Facts:
- Founded: 2015 (as a bank)
- Headquarters: Kolkata, West Bengal, India
- Services: Savings Accounts, Current Accounts, Loans, Credit Cards, Microfinance, Digital Banking
About the Author: Dipankar Ghosh
Dipankar Ghosh is the Deputy General Manager at Bajaj Auto Credit Limited, specializing in banking and NBFC collections. He shared his experience on LinkedIn regarding an unauthorized CRIF credit report generated by Bandhan Bank despite having no existing relationship with the bank or any credit application.
Detailed Complaint Overview
Dipankar Ghosh’s complaint highlights:
- Unauthorized Credit Report: Bandhan Bank generated a CRIF credit report without consent.
- No Existing Relationship: No credit facility or credit card application exists with Bandhan Bank.
- Urgent Resolution Needed: The incident raises serious concerns regarding data privacy, banking ethics, and regulatory compliance.
- Potential Financial Impact: Unauthorized credit reporting may affect credit scores or lead to financial discrepancies.
Possible Legal Charges
- Consumer Protection Act, 2019: Unauthorized banking action constitutes deficiency in service.
- RBI Guidelines Violation: Non-compliance with consent requirements for credit reporting.
- Credit Information Companies (Regulation) Act, 2005: Breach of CRIF data privacy regulations.
- Information Technology Act, 2000 (Section 43 & 66C): Unauthorized use of personal and financial data.
- Civil Liability: Possible claims for damages if credit score or financial standing is affected.
Departments Where Complaint Can Be Filed
| Department / Authority | How Choice4Voice.com Can Help |
|---|---|
| Bandhan Bank Grievance Cell / Branch | Assist in escalating complaint internally and tracking response. |
| Reserve Bank of India (RBI) Banking Ombudsman | Guide in filing complaints for unauthorized credit reporting and deficiency in service. |
| CRIF India / Credit Bureau | Support in disputing unauthorized credit report generation. |
| Consumer Forum / District Consumer Court | Assist in filing claims for financial or reputational damage. |
| Cyber Crime / Data Privacy Authorities | Help in reporting unauthorized use of personal financial data. |
How Choice4Voice.com Can Help
- Complaint Publication: Highlight unauthorized credit report publicly to pressure immediate action.
- Direct Engagement: Contact Bandhan Bank and CRIF India to rectify the unauthorized report.
- Legal Assistance: Guide escalation to RBI, Consumer Forum, or data privacy authorities if unresolved.
- Step-by-Step Guidance: Provide templates for grievance letters, dispute applications to credit bureaus, and formal notices.
- Continuous Follow-Up: Track resolution until the unauthorized report is corrected or removed.
Frequently Asked Questions (FAQ)
- What should I do if my credit report is generated without consent?
- Contact the bank, dispute the report with the credit bureau, and escalate via Choice4Voice.com if needed.
- Can a bank generate a CRIF credit report without my knowledge?
- No, banks must have prior consent or an existing relationship as per RBI and Credit Information Companies regulations.
- Will unauthorized credit reporting affect my credit score?
- Yes, any erroneous or unauthorized report can potentially impact your credit score.
- How can Choice4Voice.com help dispute unauthorized reports?
- We assist in contacting the bank and CRIF, filing complaints, and monitoring corrections.
- What laws protect me against unauthorized credit reporting?
- Consumer Protection Act, Credit Information Companies (Regulation) Act, RBI guidelines, and IT Act.
- Can I claim compensation for unauthorized credit reports?
- Yes, under Consumer Protection Act or civil litigation if damage occurs.
- What is the role of RBI in such cases?
- RBI ensures banks comply with customer consent and credit reporting regulations.
- Can unauthorized credit reports be removed from CRIF?
- Yes, through formal dispute with CRIF India and bank confirmation.
- Does public complaint expedite resolution?
- Yes, visibility on platforms like Choice4Voice.com often accelerates corrective action.
- Can Choice4Voice.com maintain anonymity during escalation?
- Yes, personal and financial information is kept confidential.
- Are there penalties for banks generating unauthorized credit reports?
- Yes, RBI and credit bureaus can impose fines or sanctions for non-compliance.
- How long does it take to resolve unauthorized credit report disputes?
- Typically 15–30 days depending on response from bank and credit bureau.
- Can multiple unauthorized reports strengthen my case?
- Yes, repeated occurrences provide stronger evidence of negligence.
- Is it necessary to contact the bank before RBI?
- Yes, RBI usually requires internal escalation first.
- Can cybercrime authorities be involved?
- Yes, unauthorized data use can be reported under IT Act provisions.
- What documents are required to file a dispute?
- Identification proof, bank details, and copy of unauthorized CRIF report.
- Can Choice4Voice.com file complaints on my behalf?
- Yes, we handle dispute filing, public exposure, and escalation to authorities.
- Does RBI enforce corrections if bank ignores the complaint?
- Yes, RBI can direct banks to rectify credit reporting violations.
- Can this affect future loan applications?
- Potentially yes, until the unauthorized report is corrected.
- Why use Choice4Voice.com for credit reporting complaints?
- We provide public visibility, expert guidance, legal escalation, and follow-up until full resolution.
