Loan not taken by me from HINDONE MERCANTILE but shows loan.
Subject: Discrepancy in Loan Record with Hindon Mercantile Limited
Dear Sir/Madam,
I am writing to bring to your attention a serious discrepancy in the loan record with Hindon Mercantile Limited. It has come to my attention that a loan account has been opened in my name without my knowledge, and it is currently showing as overdue, significantly impacting my credit score.
To provide context, I, Azizul Hoque, hereby declare that I have not taken any loan from Hindon Mercantile Limited, nor have I entered into any financial agreement with the aforementioned organization. The loan account referenced as xxxx8924, with a loan amount of 5000, is completely unfamiliar to me. The reported overdue amount of 5485 is misleading, as there has been no such loan availed by me, and I have not defaulted on any repayment.
This error in the loan record has had severe implications on my credit information bureau score (CIBIL). It is disheartening to see my creditworthiness being impacted by an erroneous entry that has no basis in reality. As a responsible and conscientious individual, I am deeply concerned about the potential repercussions this misinformation may have on my financial standing and future credit opportunities.
I am requesting an immediate and thorough investigation into this matter by Hindon Mercantile Limited. It is imperative that the cause of this erroneous loan entry be identified and rectified without delay. I also urge the organization to provide me with all the relevant documentation and information pertaining to the purported loan account, to assist me in understanding the origin of this discrepancy.
Furthermore, I request Hindon Mercantile Limited to promptly correct the inaccurate reporting to the credit bureaus and ensure that my credit report reflects the correct and factual information. Given the severity of the situation and its impact on my financial credibility, I expect the utmost cooperation and urgency in resolving this issue at the earliest.
As per my rights under the Fair Credit Reporting Act, I am entitled to receive a free copy of my credit report after any adverse action is taken based on information in the report. I would appreciate it if Hindon Mercantile Limited assists me in this matter and provides the necessary support to facilitate the process of rectifying the erroneous entry on my credit report.
In addition to addressing this issue internally, I also intend to report this issue to the relevant consumer protection authorities and regulatory bodies if necessary, to ensure that my rights as a consumer are upheld and that adequate measures are taken to prevent any recurrence of such inaccuracies in the future.
It is my sincere hope that this matter will be treated with the urgency and seriousness it deserves, and that the corrective actions will be promptly undertaken by Hindon Mercantile Limited. I trust that with your intervention and cooperation, this issue will be resolved satisfactorily, restoring my credit integrity and preventing any unwarranted repercussions on my financial well-being.
I am eagerly awaiting your prompt and positive response to this matter. Please acknowledge the receipt of this letter and provide a timeline for the resolution of this issue. I can be reached at the contact information provided below, and I am available at your convenience to further discuss this matter.
Thank you for your attention to this urgent issue.
Sincerely,
Azizul Hoque

Loan not taken by me from HINDONE MERCANTILE but shows loan.