1. You clarify the details of outstanding dues to be paid by you to them on the basis of the documentary evidences for having paid all the outstanding amount. 

If it is confirmed that you are liable to pay any amount then you can issue a legal notice demanding explanation as well as to remove the tag attached to your name which prevents you from availing further loans. 

2. The CIBIL score is based on the report submitted by your lender against you for the defaulted loan amount,  hence CIBIL  cannot be held responsible for the adverse entries in its records. 

3. The lawyer fee can be heard from the lawyer who you would engage. 

4. If you suspect their integrity then ignore them and try to fix the issue through your own sources. 

Issue legal notice to HDFC to rectify your credit score with CIBIL

2) take the plea that no demand notice was issued nor any case filed against you 

3) that you have not defaulted on credit card dues 

4) if no action is taken by bank file complaint against bank before consumer forum and seek orders to direct bank to rectify your credit score 

You can always contact the Grievance Cell of CUBIL and complain on this wrong ratings. 

2. Seek information on the basis of this rating and then furnish your evidence. 

3. I'd this doesn't resolve the dispute then file writ petition. 

Looks like this bank is on a loot spree these days as many clients have complained for the same. first and foremost check at your address if you really have not received any letters from the bank. Incase there are no letters received by you then make an online complaint with their grievance cell and also ensure to call their customer executives.

You can also write a letter to get your cibil score corrected by showing the bank statements attached to your letter.

Hey, 

In such cases you can always ask the Bank to give you the details of the outstanding amount and the reason why they have not informed you about the same. In case you have not taken any such amount from the bank you can raise a formal complaint in the consumer support. Once the disputed amount is settled the issues with your CIBIL score will to be solved. For any further legal advice you can contact us or -

Visit us-

- As per law, the bank is bond to inform to the defaulter before marking wilful default or put him under NPA.

- Hence, the said act of the HDFC is against the norm and policy of RBI.

- You can send a legal notice to the said bank to rectify the credit score with CIBIL on the ground of lack of information by the bank official. 

- If no rectified , then file a complaint before the Consumer forum on the ground of deficiency of services and also claim compensation for mental agony , and for getting direction in your favour.