Two credit profiles under one PAN

Credit bureau · Credit report · credit-report

Complaint no.: N202627016015602
Against: TransUnion CIBIL
Filed: 17 Aug 2026
Closed: 3 Sep 2026
Time taken: 17 days
Scheme: RB-IOS 2026
Closure clause: 14(8)(a)
Did it help?: Did not help
Compensation: None

What happened

The bureau held two profiles for me. Lenders whose enquiry hit the empty one saw a score of "-1" and declined my applications; one bank declined an application and approved the identical one fifteen days later after the profiles were merged. After the merge, enquiries made against the second profile appeared on my report.

What I asked the Ombudsman for

Disclosure of when the second profile was created and which lenders were served from it, removal of the enquiries that were not mine, and compensation.

What the entity said

The bureau said the report I cited was one I had generated myself, that the variation came from the details entered while generating it, and that it had received no evidence of two profiles. It confirmed my current score.

My reply to the entity's response

Two sets of comments, on 24 and 31 August. The bureau's replies did not mention the duplicate profile at all; I said so, listed the evidence already in its own systems, and sent three of its own reports when it asked.

Did the closure deal with it? No.

What the Ombudsman decided

Closed in 17 days as "all aspects fully settled by the Regulated Entity", on the strength of the bureau's statement.

Did not help

Did the Ombudsman help?

No. A reply under the Right to Information Act later showed the office's internal note listed only the bureau's submissions; my comments, which had reached the office, are not referred to in it. A second reply confirmed the Scheme has no provision to review such a closure. This is the complaint that changed my view of the process.

Read the full account of this case →

What I took from it

I had sent the bureau three of its own reports within half an hour of being asked, and had its acknowledgement. I made a written representation the same day about that factual error. A settled closure cannot be appealed, so the comments round is the only real hearing; send your evidence to the Ombudsman as well as to the entity.

Related complaints

Complaint closed as "suggestions and queries" (TransUnion CIBIL, 2026) Not maintainable
Third attempt on the same grievance closed as duplicate (TransUnion CIBIL, 2026) Not maintainable

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.