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A branch of China’s central bank summons finance firm over insult in customer’s credit report
Published on: 2021-05-26
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The Taiyuan branch of the People's Bank of China summoned a staff member from the Jinshang Customer Finance agency headquartered in Shanxi Province, after the finance company deleted insulting comments in a customer's credit report that described her as a "prostitute," sparking online controversy.
 

The company deleted insulting comments on a customer's credit report after calling her "a 10-year professional sex worker" in the report's job description column. However, it has not yet offered a proper explanation to the customer.
 

The report said that a loan relationship still exists between the customer, surnamed Fang, and the company.
 

As a next step, the bank will conduct a thorough investigation into the incident and handle it properly in line with the law and regulations.
 

Fang, the customer, said that she signed a personal consumption loan contract of 162,000 yuan with a loan term of 36 months with the company in 2018, and still needs to repay the principal and interest of more than 70,000 yuan to the company as of press time after she proposed postponing the repayment due to the impact of the COVID-19 epidemic.
 

个人征信报告竟现侮辱字眼:“专业做鸡十年”

据人民网江苏频道报道,江苏南通市民房女士在查询个人征信时发现,其征信报告“工作单位”一栏中竟被写上了“专业做鸡十年”!
 

房女士介绍,2018年4月,她在位于南通中南大厦的晋商消费金融分支机构签署了一份16.2万元的个人消费贷款合同,贷款期限约定36个月。去年2月,房女士向晋商消费金融提出因疫情影响延期还款,后者为其延至2020年底再接着还款。房女士称,按照晋商消费金融的算法,截至目前,她尚需偿还本息7万余元。
 

4月6日,房女士在人民银行南通中心支行查询个人征信发现上述问题后甚为惊愕,随后向该行进行了反映。
 

人民银行南通中心支行征信管理科科长姜文华在接受采访时解释,央行征信系统是一个平台,数据都是由相关金融接入机构传送,谁传送谁负法律责任;当事人如有异议,可走征信异议处理程序。
 

目前,经该行协调,涉嫌上传不当信息的晋商消费金融股份有限公司(下称“晋商消费金融”)已做了在线删除处理。然而,据房女士称,事发后她一直没有收到涉事公司针对此事的正当说法。
 

晋商消费金融随后承认,不当信息是由他们上传到征信系统的。4月6日,人民银行太原中心支行即责令晋商消费金融在线修改了房女士的相关职业信息。
 

对于房女士要求晋商消费金融赔偿其相应的精神与名誉损失的诉求,人民银行南通中心支行表示,该诉求系民事纠纷,建议当事人通过诉讼渠道解决。

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