Need Legal Advice: Kotak Mahindra Bank Falsely Impacted My CIBIL & Asking for FIR to Resolve

[Deepikabear3]

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Deepikabear3
PARTICIPANT
February 24, 2025 at 2:31 pm

I Recently checked my CIBIL score and found that my score has been negatively impacted due to a credit card from Kotak MAhindra Bank that I never applied foror have used. I only opened a Kotak 811 online account a long time ago, around March 2023, but I never completed KYC or applied for any credit card nor i have any other accounts in this bank. Despite this, my CIBIL report is showing a delayed payment on a Kotak credit card, which i had no knowledge of.

Additionally, my CIBIL report is didplaying another persons name, email, mobile number, and addresses, which are completely unretaled to me. I do not know this person, and I have completely no Idea why their details are linked to my credit report. I think this is a serious identity mix-up or ossible fraud.

I contacted Kotak Mahindra Bank via email regarding this issue ( attached my CIBIL report highlighting the false information and a copy of my Aadhar and PAN ), asking them to rectify this issue, but their response was that I need to file an FIR and send them a copy before they take any action.

I am unsure about the legal process here. Do I really need to file an FIR, or is there any other legal route i can take? Also, what steps should i take to fix my CIBIL report that this does not affect my financial credibility in the future?

Any Guidance on this would be very helpful to me.

Thanks in advance.

Screenshots of Emails are here

[https://i.imgur.com/B9J23dG.png](https://i.imgur.com/B9J23dG.png)

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[User_e9c07898]

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User_e9c07898
PARTICIPANT
February 24, 2025 at 2:34 pm

File a complaint before RBI Ombudsman.

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[Megamaster2414]

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Megamaster2414
PARTICIPANT
February 24, 2025 at 2:55 pm

Ombudsman is your friend. Details on how to will be buried on bank website itself.

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[Braveseeker242]

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Braveseeker242
PARTICIPANT
February 24, 2025 at 5:04 pm

You are likely victim of identity theft.

Google “identity theft freefincal” and read article. It mentions how to deal with such cases.

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[User_6ed95f72]

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User_6ed95f72
PARTICIPANT
April 4, 2025 at 6:53 am

The same thing happens to me I will raise complete to RBI Ombudsman after 30 days

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