How to raise dispute in CIBIL

Messages
9,648
Location
Delhi
ISP
Airtel
So, I just got notified that my CIBIL dropped by 4 points, and I've been noticing a periodical drop of 4 points for the last 3-4 months.

I went through the report to see that SBI and HDFC, both without my consent have applied for credit cards and it displays Rs. 100 and Rs. 1000, as the requested amount. These are bogus applications by their agents. What can I possibly do in this situation?
 

Jay

Messages
495
Location
Bangalore
ISP
Airtel FTTH
Were you able to get them expunged?

Also, do you know why sometimes they query small amount like 100 and 1000 and sometimes larger amounts like 100,000?
 
Messages
9,648
Location
Delhi
ISP
Airtel
Nope, I wasn't.

TTojzdo.png
 

Jay

Messages
495
Location
Bangalore
ISP
Airtel FTTH
Did you raise it with HDFC? I did and now they've asked me for a copy of the credit report for some reason.
 
Messages
9,648
Location
Delhi
ISP
Airtel
I mailed HDFC during May. Never received a reply, possibly because of the lockdown. I just gave up.

All this has taken my CIBIL down. I've noticed a decrease of 1 point every month for the last 5 months due to all this.
 

Jay

Messages
495
Location
Bangalore
ISP
Airtel FTTH
If the PNB loan defaults, your credit score will tank. Frustrating that there is no proper redressal mechanism.