Incorrect loan amount reported on CIBIL by Refyne/Sunitha Finlease – Need advice
So back in may 2025, I used to work as a Swiggy delivery partner, back then Swiggy used to run ads on the app called refyne, which lets the raiders get early payments of their weekly earnings.So I just used it just to check how it works. Which is a big mistake. Fast forward to now, when I check my CIBIL report I was surprised to find a new (Active) personal loan of 40k reported on April 2026.
Lender- Sunitha Finlease
outstanding amount is ₹0.
I never took any ₹40k personal loan directly from them. It looks like Refyne partnered with this NBFC and somehow reported it as a loan account/credit line. Even though I only took ₹336 using this app.
What I’ve already done:
- Emailed Sunitha Finlease
- They told me to contact Refyne support
- Refyne support has not replied for more than a week
- Raised a dispute with CIBIL under “I don’t own this account”
It's been a week now updates from CIBIL side. Also I think I have raised a dispute under the wrong category.
My questions:
Has anyone faced similar issues with Refyne or salary advance apps?
Should I worry if outstanding is ₹0 but that loan account is still active?
What is the best next step if Refyne ignores me?
P.S. Don't ever use any apps promoted by Swiggy.