I had used a Citibank credit card from 2003 to 2005 when I was posted in College of Military Engineering.
That card is still active as per Citbank and has a balance of 38 Rs.
I have applied for a housing loan in LIC nad HDFC which has been turned down because they say that there is a CIBIL report against me of about 3 lakhs outstanding.
I took the report and called citibank which says that my account balance is 38 rupees. The executive also told me that there was no outsatnding of rupees three lakhs against me.The account number citibank has forwarded to CIBIL is not in my name and the address was also wrong because I was never posted in Indore.
However they have not given anything in written and are only asking for extention in time fo resolving the case.
I have already given advance of Rs 4,50,000 for a house.This incident has caused lot of tension and embarrased me.