Lender not providing correct information to CIBIL

2 years ago

I had a personal loan from a private company called Stashfin. When I took the loan in 2018, 2 accounts reflected in my CIBIL report: One is Akara Capital (Stashfin) and another is DMI Finance (they said it is the lending partner of stashfin). Anyway fast forward 2years, I could not pay EMIs for a few months during covid time. However, later I have foreclosed the loan as per their conditions and received foreclosure letter as well from Stashfin. Despite foreclosure, my CIBIL is still showing "written off" status in the DMI Finance account, although the other Akara Capital account status is showing as closed. I have raised the dispute from CIBIL several times but of no use. Everytime it comes back as 'No Change". I tried to follow up with the lender Stashfin several time to get rid of that written off account from my report, but I never get any response from the company. I want to file a legal case against the lender, firstly for opening two accounts in CIBIL against one loan and then not closing both the accounts with "closed" status despite foreclosure. One of the accounts is still reflecting written off. Please let me know how to initiate legal action agains the lender