You pull your CIBIL report and there it is: a loan from “Hari and Company Investments” or “Kisetsu Saison Finance”. You’ve never heard of them. Fraud? Mistake?
Most often, neither. It’s the lender behind a loan app you used. Here’s how to tell, and what to do if it really isn’t yours.
Why your report shows names you don’t recognise
Loan apps are usually not lenders themselves. The money comes from an RBI-regulated bank or NBFC, and RBI requires that lender to report the loan to credit bureaus. So your credit report lists the lender’s legal name, not the app’s brand.
To make it more confusing, one app can work with many lenders. RBI’s Digital Lending Apps list shows, for example:
| App | Lenders reporting it to RBI |
|---|---|
| KreditBee | 13 NBFCs, including Krazybee Services, Northern Arc Capital and Tata Capital |
| Moneyview | Several NBFCs, including Piramal Finance |
| Kissht | Several NBFCs |
Source: RBI Digital Lending Apps list, checked October 2026.
Two loans from the same app can therefore appear under two different lender names on your report.
Match the mystery name in 4 steps
- Note the lender name, loan amount and date opened from your credit report.
- Search your email and SMS for that amount or date. Loan disbursal messages usually name the lender.
- Open your loan apps and check each Key Fact Statement for the lender’s name.
- Look up the lender on FundsTiger’s loan app pages to see which apps it works with.
Found more app loans on your report than you expected? See if one loan could pay them all off, with one lender and one EMI.
If it really isn’t your loan
Someone may have misused your identity, or the lender may have made an error. Act quickly:
- Dispute it with the credit bureau (CIBIL, Experian, Equifax or CRIF High Mark) through their online dispute form.
- Write to the lender’s grievance officer with your details and ask for the loan documents.
- Report identity fraud at cybercrime.gov.in or call 1930, and file a police complaint.
- If the lender doesn’t resolve it within 30 days, escalate to the RBI Ombudsman at cms.rbi.org.in.
Protect yourself going forward: freeze or lock your Aadhaar biometrics in the mAadhaar app, never share OTPs, and check your credit report at least once a year.
Why this matters for your next loan
When you apply for a loan, lenders see every account on your report, including small app loans you may have forgotten. Too many active loans, or any overdue one, can lead to rejection even with a decent score.
Cleaning up and consolidating small loans before a big application often helps.
FAQs
Why does one app show two different lenders on my report?
The app may have routed each loan to a different partner lender. Both are valid if the KFS for each loan names that lender.
Will a closed app loan still show on my report?
Yes, closed loans stay in your history, marked closed. That’s normal and shows a repayment track record.
How often should I check my credit report?
At least once a year, and before any major loan application.
Based on the RBI (Digital Lending) Directions, 2025 and RBI’s Digital Lending Apps list (October 2026). FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders, including its related party Aparampaar Finance Pvt. Ltd. (Omozing). This article is for information only and is not financial advice.