Need Expert Advice: ICICI Credit Card Not Reported to CIBIL for over 6 Months

[InfamousInfamous is verified member.]

Hello everyone,

I'm seeking advice regarding a prolonged and unresolved issue with ICICI Bank involving the non-reporting of my credit card account to CIBIL for over 6 months, despite it being correctly reported to other bureaus like Experian and CRIF.

Key Timeline:​

• Credit Card Issued: 10 September 2024
• First Complaint Raised: 15 February 2025 (after waiting months for auto-reporting)
• Follow-Ups: 20 Feb, 3 March, and multiple emails thereafter
• Bank’s Reason: In March, I was told the issue was due to missing gender details in their internal system, which prevented the account from being accepted by CIBIL.
• Visit to Branch: 3 April 2025 – I updated my KYC in person and received confirmation from the bank the same day.
• Current Status (as of 10 May 2025): Still not reflected in CIBIL, and no timeline guarantee beyond the general 45–60 day cycle post-update.

Additional Points:​

• No communication was made by the bank for 6 months to alert me of missing details — I had to chase them repeatedly.
• Experian already shows the correct gender, which raises the question — if my data is complete there, why not in CIBIL?
• After repeated delays and lack of resolution, I filed a formal complaint with the RBI Ombudsman on 16 April 2025, which eventually prompted ICICI Bank to respond with a ₹3,000 compensation offer for missing details.
• They’ve also requested I withdraw my complaint filed with the RBI Ombudsman, claiming the matter is now addressed and will reflect in due course.

My Questions:​

1. Is ₹3,000 a fair compensation for the months of delay, lack of proactive communication, emotional distress, and possible credit score impact?
2. I’ve proposed ₹20,000 as a fairer settlement, considering the mental toll, time wasted, and unnecessary follow-ups. Does this seem justified?
3. Why is the bank pushing for the withdrawal of my RBI complaint if the issue isn’t fully resolved yet?
4. What would you recommend — accept the ₹3,000, push for more?

Would really appreciate insights from anyone who’s faced something similar or has expertise in credit reporting/RBI ombudsman processes.

Thanks in advance!

 

[Fini7777]

Hello everyone,

I'm seeking advice regarding a prolonged and unresolved issue with ICICI Bank involving the non-reporting of my credit card account to CIBIL for over 6 months, despite it being correctly reported to other bureaus like Experian and CRIF.

Key Timeline:​

• Credit Card Issued: 10 September 2024
• First Complaint Raised: 15 February 2025 (after waiting months for auto-reporting)
• Follow-Ups: 20 Feb, 3 March, and multiple emails thereafter
• Bank’s Reason: In March, I was told the issue was due to missing gender details in their internal system, which prevented the account from being accepted by CIBIL.
• Visit to Branch: 3 April 2025 – I updated my KYC in person and received confirmation from the bank the same day.
• Current Status (as of 10 May 2025): Still not reflected in CIBIL, and no timeline guarantee beyond the general 45–60 day cycle post-update.

Additional Points:​

• No communication was made by the bank for 6 months to alert me of missing details — I had to chase them repeatedly.
• Experian already shows the correct gender, which raises the question — if my data is complete there, why not in CIBIL?
• After repeated delays and lack of resolution, I filed a formal complaint with the RBI Ombudsman on 16 April 2025, which eventually prompted ICICI Bank to respond with a ₹3,000 compensation offer for missing details.
• They’ve also requested I withdraw my complaint filed with the RBI Ombudsman, claiming the matter is now addressed and will reflect in due course.

My Questions:​

1. Is ₹3,000 a fair compensation for the months of delay, lack of proactive communication, emotional distress, and possible credit score impact?
2. I’ve proposed ₹20,000 as a fairer settlement, considering the mental toll, time wasted, and unnecessary follow-ups. Does this seem justified?
3. Why is the bank pushing for the withdrawal of my RBI complaint if the issue isn’t fully resolved yet?
4. What would you recommend — accept the ₹3,000, push for more?

Would really appreciate insights from anyone who’s faced something similar or has expertise in credit reporting/RBI ombudsman processes.

Thanks in advance!

How many icici cards u have ?

 

[Deepak_9155]

I HAVE 3 CC OF ICICI
APAY
CORAL
PLATINUM

BUT IN CIBIL ONLY TWO CC APPEARS !

 

[InfamousInfamous is verified member.]

How many icici cards u have ?

2 since April this year

 

[InfamousInfamous is verified member.]

I HAVE 3 CC OF ICICI
APAY
CORAL
PLATINUM

BUT IN CIBIL ONLY TWO CC APPEARS !

Coral and Platinum are shown under the same account

ICICI reports:
1 account for Amazon
1 for cobranded
1 for gemstone cards like yours

 

[Fini7777]

2 since April this year

Icici usually reports every cobranded card separately and maintains one account for all core cards, like coral, rubyx etc

 

[InfamousInfamous is verified member.]

Icici usually reports every cobranded card separately and maintains one account for all core cards, like coral, rubyx etc

Well actually I just realised I have 3, HPCL, Coral Rupay and Apay, no account reported since sept 2024

 

[Deepak_9155]

Coral and Platinum are shown under the same account

ICICI reports:
1 account for Amazon
1 for cobranded
1 for gemstone cards like yours

O k .

 

[Fini7777]

Well actually I just realised I have 3, HPCL, Coral Rupay and Apay, no account reported since sept 2024

If that is the case then 2 should be reported and none of them were reported

 

[InfamousInfamous is verified member.]

If that is the case then 2 should be reported and none of them were reported

Exactly my point, Experian however, has both of them with correct records that they claim to be missing from their systems 🤣

 

[Quantum]

My Questions:​

1. Is ₹3,000 a fair compensation for the months of delay, lack of proactive communication, emotional distress, and possible credit score impact?

No, 3k is not a fair compensation for the delay and waste of your time and efforts caused by ICICI bank in resolving this issue.

1. I’ve proposed ₹20,000 as a fairer settlement, considering the mental toll, time wasted, and unnecessary follow-ups. Does this seem justified?

Yes, it is justified. I would have asked for entire 1 lakh for mental anguish, harassment, etc.

1. Why is the bank pushing for the withdrawal of my RBI complaint if the issue isn’t fully resolved yet?

When the banks' internal teams that handle the RBIO complaints realize that they don't have concrete evidence to disapprove the allegations mentioned in the RBIO complaint, they ask the concerned team/employees to ask the customer to withdraw the complaint.

RBIO complaint is nothing but a bamboo for banks, if the complaint inclines in complainant's favor. And they want this RBI bamboo out of their a$$ ASAP.

Don't withdraw the complaint. Instead, push it up harder.

1. What would you recommend — accept the ₹3,000, push for more?

Push for more.

And ICICI bank must be sending you emails regarding this RBIO complaint.
While replying to them do the following:

1. Include crpc@rbi.org.in in the To: list. (In the To: list, keep only crpc@rbi.org.in)
2. Move ICICI email IDs in CC.
3. Change the subject line of the email similar to the subject line of the email that you received from RBI CMS Team <rbiteamcms@rbi.org.in> when you filed the RBIO complaint. For example, if the RBI CMS Team's acknowledgement email's subject line was:
   Acknowledgement: Registration of Complaint - NXXXXXXX against IDFC FIRST BANK LIMITED regarding Other products and services
   Then at step #3 above, you need to change the subject line to:
   NXXXXXXX against IDFC FIRST BANK LIMITED regarding Other products and services
4. In the email body, do mention that "This email is in the context of an already opened complaint NXXXXXX."
5. The above steps are used to avoid creating a new automated complaint by sending an email to crpc@rbi.org.in. These steps ensure that a new complaint won't be created, rather the response will be considered in the context of existing complaint.

While replying, let RBIO know how ICICI is trying to deceive RBIO and you. Let them know what you are expecting by providing the rationale.

 

[InfamousInfamous is verified member.]

1. Include crpc@rbi.org.in in the To: list. (In the To: list, keep only crpc@rbi.org.in)
2. Move ICICI email IDs in CC.
3. Change the subject line of the email similar to the subject line of the email that you received from RBI CMS Team <rbiteamcms@rbi.org.in> when you filed the RBIO complaint. For example, if the RBI CMS Team's acknowledgement email's subject line was:
   Acknowledgement: Registration of Complaint - NXXXXXXX against IDFC FIRST BANK LIMITED regarding Other products and services
   Then at step #3 above, you need to change the subject line to:
   NXXXXXXX against IDFC FIRST BANK LIMITED regarding Other products and services
4. In the email body, do mention that "This email is in the context of an already opened complaint NXXXXXX."
5. The above steps are used to avoid creating a new automated complaint by sending an email to crpc@rbi.org.in. These steps ensure that a new complaint won't be created, rather the response will be considered in the context of existing complaint.

While replying, let RBIO know how ICICI is trying to deceive RBIO and you. Let them know what you are expecting by providing the rationale.

Thanks for the advice, I will surely keep this in mind

 

[shu_sha_]

Whenever I take new credit card from ICICI they add my closed CC account to Cibil which was of 2013

They don't add a new account in Cibil but adds an older one which was closed already.

Sometimes in a way it's good as credit limit was low that time and credit history reflects from 2013 🤣