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征信被抹黑谁来担责
2017-08-25 08:37:56 中国青年网
我叫薛玉栋,我和爱人都是西峡县米坪镇的初中教师。2012年10月份,我们夫妇二人准备在县城买房子,在所有手续都准备好,去办理住房公积金贷款时,公积金管理处工作人员却告知我们,我们夫妇二人名下都有多笔贷款没有还,数额还较大,鉴于此,我们不能办理住房公积金贷款。
这无疑是一个让我们震惊的事情。我们从没有给任何人做过担保,也从未贷过款。因为我们常年上班较忙,很少去查个人征信。在得知这个情况后,我们在中国人民银行西峡县支行征信系统进行了查询,得知我名下担保及贷款:2011年8月16日3万元;2012年5月29日10万元;2012年5月23日两笔,分别为30万元和20万元;2012年8月27日5万元,共计68万元。我们夫妇名下担保及贷款:2011年8月16日30万元;2012年5月23日两笔,分别是25万元和30万元,共计58万元。
事情发生后,我们到米坪镇信用社反映无果,无奈,我们向西峡县公安局经侦队报案。就在我们报案后不久,我们夫妇二人名下的贷款及担保都莫名其妙地消失了。
我们名下的债务虽然没有了,但此事导致的后果,却是我们征信系统有不良记录,让我们丧失了办理住房公积金贷款的资格,使我们至今都没有用到住房公积金贷款。
几年来,我们多次投诉举报,但至今也没有任何单位、任何人给我们一个说法。我们想问的是,我们夫妇无缘无故被担保和被贷款,个人征信无故被抹黑,这个损失该由谁来承担????9
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