Problem Library

A customer has made an EMI payment on time, but the lender or credit bureau shows the account as overdue or delinquent.

An incorrect record appears in the credit report, such as a wrong loan type, payment history, or account status under the consumer's name.

The customer has repaid a loan fully, but the account still appears as active, overdue, or open in their credit report or lender ledger.

The credit report shows the same loan twice or a lender account is duplicated, inflating the borrower’s exposure.

A loan appears in the credit report that the consumer never took or is unaware of.

The outstanding balance reported by the lender or credit bureau is higher or lower than the actual amount owed.

The borrower has repaid the loan, but the lender has not issued the No Objection Certificate (NOC) or closure letter.

A loan has been settled with the lender, but the credit report still shows the old status such as overdue, active, or not settled.

The consumer’s name, PAN, Aadhaar, date of birth, or address is incorrect in the credit report.

A fraudulent loan has been taken in the consumer’s name without their consent.

Recovery agents are harassing the borrower with repeated calls, threats, or illegal visits.

The borrower is charged fees, penal interest, or other amounts that seem incorrect or excessive.

The lender has disbursed the loan amount, but the borrower has not received it in their bank account.

A payment has been made toward a loan or credit account, but the lender or credit report does not reflect it.

The credit report shows an incorrect Days Past Due (DPD) status for a payment that was actually made on time.