Complaint closed as "suggestions and queries"

Credit bureau · Credit report · credit-report framing

Complaint no.: N202627016018265
Against: TransUnion CIBIL
Filed: 7 Sep 2026
Closed: 29 Sep 2026
Time taken: 22 days
Scheme: RB-IOS 2026
Closure clause: 16(1)(b)
Did it help?: Did not help
Compensation: None

What happened

A follow-on complaint about how the bureau handled my earlier grievance and its enquiry-alert process.

What I asked the Ombudsman for

Examination of the bureau's conduct after the first closure, including disputes it had raised in my name that I never made.

What the entity said

The bureau treated my grievance as a question about my credit score, which it was not.

What the Ombudsman decided

Not a valid complaint: it did not indicate a specific deficiency and was in the nature of suggestions or queries.

Did not help

Did the Ombudsman help?

No. A complaint that named a duplicate profile, a refusal to disclose and unauthorised disputes was closed as containing no specific deficiency.

Read the full account of this case →

What I took from it

A complaint has to name one concrete failure that happened to you and one remedy. Anything that reads like a proposal for how the entity should work gets this clause.

Related complaints

Two credit profiles under one PAN (TransUnion CIBIL, 2026) Disputed closure

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.