CIBIL, India’s leading credit information company, is facing renewed scrutiny after questions were raised in Parliament and complaints surfaced online about spam calls following credit checks.

Tamil Nadu MP Karti P. Chidambaram told the Lok Sabha that the credit scoring system lacks transparency and offers no clear way for borrowers to appeal errors in their records.

Meanwhile, several users have reported that checking their CIBIL score led to a surge of spam calls from lenders and others.

Chidambaram said the CIBIL score influences every loan application, from home loans to car loans, but “very little is known about how the organisation works.”

“It’s actually a private company, called TransUnion. This is the company that is rating every one of us based on our credit history. But we do not know whether they are updating our credit history properly. There is no transparency. There is no way for us to appeal,” he said.

The MP highlighted that many farmers and borrowers face problems when repayments made through subsidies or loan settlements are not updated in their credit records.

“Every time we go to a bank, we are told our score is bad. There must be greater transparency,” he said.

Outside Parliament, ordinary users are voicing similar concerns about how their financial information is handled.

One person wrote online that after checking their CIBIL score and applying for two credit cards, they started receiving frequent calls from companies offering pre-approved loans.

Another user said they have been getting spam calls ever since they checked their score on private websites.

While some users prefer checking their scores on Google Pay’s CIBIL Bureau feature to avoid such issues, many remain concerned about how their financial data is being used and shared.