Loan enquiry alerts for strangers arriving at my email

Credit bureau · Credit report · credit-report wrong-email

Complaint no.: N202627016002799
Against: TransUnion CIBIL
Filed: 24 Apr 2026
Closed: 3 Jun 2026
Time taken: 40 days
Scheme: RB-IOS 2021
Closure clause: 16(2)(a)
Did it help?: Did not help
Compensation: None

What happened

I kept receiving credit-enquiry alert emails for loans and cards I never applied for. Several lenders had my email address recorded against other people.

What I asked the Ombudsman for

Stop the alerts, find out which lenders hold my email against other people, and get it removed.

What the entity said

The bureau said the enquiries were not on my profile or report. My email was being reported by a number of lenders for their own borrowers. Two lenders removed it when asked; two said their data was correct. The bureau said it cannot change data unless the lender confirms.

My reply to the entity's response

I set out why the bureau, which sends the alerts and sees every lender's data, was the only entity that could fix this in one place.

Did the closure deal with it? No.

What the Ombudsman decided

A credit bureau displays what lenders submit, so it was not deficient. I was told to take it up with each lender.

Did not help

Did the Ombudsman help?

No. My reply was summarised as "reiterated the grievance". But the bureau's response listed the lenders involved, and that list is what made the next round of complaints possible.

What I took from it

The bureau is the wrong target for bad data. The lender who reported it is. This rejection gave me the list of lenders, and the lender-by-lender complaints that followed were my most successful.

Related complaints

₹50,000 because the bank missed the Ombudsman's deadline (IDFC FIRST Bank, 2026) Compensation
Bank admits my email was linked to someone else's home loan (ICICI Bank, 2026) Compensation
Strangers typed my email into card applications, twice (SBI Cards, 2026) Resolved

Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.