A hard enquiry on my credit report with no application behind it

Bank · Credit enquiry · credit-report compensation

Complaint no.: N202627016011878
Against: IndusInd Bank
Filed: 7 Jul 2026
Closed: 11 Aug 2026
Time taken: 35 days
Scheme: RB-IOS 2026
Closure clause: 14(8)(e)
Did it help?: Helped
Compensation: ₹10,000

What happened

A credit card enquiry dated 3 June 2026 appeared on my own credit report. I had not applied for anything.

What I asked the Ombudsman for

Remove the enquiry from my credit report, disclose who raised it, and compensate.

What the entity said

The bank could not trace any application, consent or sourcing record for the enquiry. It started removing the entry and offered ₹5,000 and a lifetime-free card. Its Internal Ombudsman noted the enquiry was still on my report, ordered the removal completed with written confirmation, and added ₹5,000 for the delay.

My reply to the entity's response

I confirmed the removal and the payment, and kept one objection: the bank had not said how an enquiry was raised with no application.

Did the closure deal with it? In part.

What the Ombudsman decided

Enquiry removed from the bureau on 4 August; ₹10,000 credited on 7 August. The bank was advised to ensure it does not recur. Closed in 35 days.

Helped

Did the Ombudsman help?

Yes. Removal, ₹10,000, and a line advising the bank to avoid recurrence. The root cause was noted as my "concern" and left there.

What I took from it

The bank's own Internal Ombudsman doubled the compensation. In my reply I confirmed what had been done (removal, payment) and kept my objection only to what had not (root cause). Being accurate about what is resolved makes the rest credible.

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.