Archive · 24 Jul 2026
Doctor Wins Compensation for Wrong CIBIL Entry
A doctor in Punjab had a problem with his credit report.
He said he paid all his dues to ICICI Bank, but the bank wrongly reported him to CIBIL, a credit information company.
This wrong report hurt his reputation and made it hard for him to get credit.
The doctor complained to a consumer forum.
The forum said the bank was wrong and made the bank pay him Rs 12,500 for the trouble.
The bank had to fix the mistake in his credit report.
This shows that banks must be careful when reporting credit information, or they could be in trouble.
A doctor complained that ICICI Bank wrongly reported an adverse entry in his CIBIL report despite clearing all dues.
The consumer forum in Punjab held ICICI Bank liable for deficiency in service and directed it to correct the credit information.
The forum awarded the doctor Rs 12,500 as compensation for mental harassment and litigation expenses.
ICICI Bank denied any wrongdoing but corrected the entries after the complaint was filed.
The ruling underscores the responsibility of banks to ensure accurate credit reporting to CIBIL.
- Who
- A doctor with an ICICI Bank credit card
- What
- The doctor won a compensation of Rs 12,500 for ICICI Bank's inaccurate credit reporting to CIBIL
- When
- The order was issued on June 25
- Where
- Amritsar District Consumer Disputes Redressal Commission, Punjab
- Why
- The bank's inaccurate reporting caused mental harassment and affected the doctor's reputation and creditworthiness
Doctor's Perspective
Bank's Perspective
Nature of the Dispute
Doctor's Perspective
The doctor claimed that ICICI Bank wrongly reported an adverse entry in his CIBIL report despite clearing all dues, which harmed his reputation and creditworthiness.
Bank's Perspective
ICICI Bank denied giving any wrong statement to the bureau and claimed that the entries were corrected after the complaint was filed.
Responsibility for the Error
Doctor's Perspective
The doctor argued that the bank's inaccurate reporting caused him mental harassment and affected his professional standing.
Bank's Perspective
The bank stated that the entries are system-generated and they corrected the entries once the complaint was filed.
Compensation and Legal Action
Doctor's Perspective
The doctor sought compensation for the mental agony and harassment caused by the incorrect CIBIL report.
Bank's Perspective
The bank argued that the complaint had become irrelevant after correcting the entries and should be dismissed.
- Complainant
- A doctor with an ICICI Bank credit card
- Defendant
- ICICI Bank and Credit Information Bureau (India) Ltd (CIBIL)
- Compensation Awarded
- Rs 12,500
- Date of Order
- June 25
- Key Issue
- Inaccurate credit reporting affecting the doctor's reputation and creditworthiness