I have been receiving multiple msgs in the last 2-3 days about random finance institutes checking my cibil score and report. I have not applied for any loan in the last 6 months or made any kind of enquiry anywhere. I started 3 days back and yesterday itself I received about 10-11 official looking texts from cibil saying xyz company checked your cibil. Is this a sign of fraud being done ? I am terrified about my cibil going down.
Has this happened to anyone here ?
Could be a fraud. Check header id for those sms.
VD/JD/JX-CIBILA-S is the header i am receiving these alerts from.
I have not opted for any plans from CIBIL and therefore I should not be receiving alerts about enquries from cibil at all since this is a paid feature available only with 6 months plan.
Cibil enquiry alerts are free. I am not subscribed to any plan, yet I get SMS alerts whenever an enquiry is done.
I got a few emails from noreply@cibilenqalert.transunion.com over the last 2-3 months not as many and not as often - PEL / BajajFinance/HDFC. No sms, dunno how this works.
Seems like anyone can enquire through PAN card without verification.
PEL was a house loan application apparently. I asked them whats happening, and dumb PEL reply was to share KYC data.
I sent back an email to their support, CIBILinfo@transunion.com on 16th.
Got another dumb reply. These people can send mails but to reply they need data. What a joke.
Thank you for writing to TransUnion CIBIL.
This email is in response to your Service Request No. — dated 16/10/2025 disputing certain information in your CIBIL Report.
A) We regret to inform you that we are unable to assist you in raising a dispute due to incomplete / missing information. Please provide us with the below mentioned mandatory details to proceed with your request
Personal Details: We require your Date of Birth, PAN and Mobile Number.
Alternatively, you can submit a dispute form online through the MYCIBIL portal. For more details, please visit Consumer Dispute Resolution | CIBIL
B) Further, to view your latest CIBIL report, please visit the following link and avail your Free Annual TransUnion CIBIL Report : Enroll - Create Account
If you already have your login details, Member Login
To unlock powerful tools to help build your credit profile and gain unlimited access to your CIBIL report, you may opt for one of our CIBIL subscription plans starting from just Rs. 550. We also provide you an option for a Single Purchase of your CIBIL report without score for just Rs. 118: Choose Your CIBIL Subscription | CIBIL
To view your latest CIBIL report, please login to your account by visiting:
And that is why everyone should get a cibil paid yearly plan which costs just 1200 considering how much it can help in cases like these. If OP had such a plan then he would know for sure within a few minutes if those msgs were genuine or not.
I took the yearly free cibil report and checked recent enquiries and none of these enquiries appeared there. I am going to take the 6 months plan today and monitor over the next week.
Take the yearly plan as it will be cheaper in the longer term. It cost 1200 & you can try to find some promo discount code online.
This feels more like a shakedown. I have 0 interest in CIBIL scores and will never take a loan.
The email is genuine. Its address is fine.
In PEL case, there was some activity on PEL side that triggered it and i got a mail from PEL too.
In other two, i did not get any emails for BajajFin/HDFC.
In no case was there any sms or aadhar verification. So these asswipes allow queries without verification. I see people complaining on reddit too.
I do get some free reports via ICICI, have never used it so far.
Dont like the idea of having to work for each such query and deal with CIBIL or the company. One time is ok, but if can keep happening.
I don’t think it’s something which can be done without the customer’s consent. A dispute must be raised.
Just fyi, for many countries visa application the cibil/credit report is also checked. Having a paid cibil plan gives you real time updates & a more simpler method to raise disputes with financial institutions/banks.
Not without customer’s consent which has to be in that application form.
Yes & without that consent your chances of approval already go down so practically not much choice there.
Which is fine. The context here is whether consent was taken or not. If not, it’s illegal.
I am not contesting that. I am saying having a paid cibil plan helps contest such things better.
While it is a good practice, it is not necessary to subscribe if you want to file a complaint of this nature. You get notification if a search is done and you can raise a dispute if you think it was done without consent. They are required to do their due investigation for all disputes.
I am speaking from practical experience. What you say also work but takes longer & more hassle compared to filing complaint as a paid cibil plan member. If someone doesn’t mind the extra few days/week & more hassle then free cibil plan works too.
You seem to be implying that going paid gives priority on disputes like this ? That should not happen as it’s a legal requirement. If that is happening then it’s wrong and can be legally contested.
I am referring to the SMS alerts that CIBIL sends out whenever a financial institution does an enquiry against your PAN. CIBIL is not at fault here, rather the institution doing these enquiries.
