Phoenix arc Fraud

kindly help me how to come out from this problem it is creating big problem
for me Phoenix arc company / bank i don’t no about this company but recently when i checked my CIBIL SCORE I came to know that this company is showing some
Credit card loan over due amount Rs. 21,593/- Really it’s shocking to me
the account No. They are showing R1CA537433. year of opened is 2004 how come it is because in 2004 i even don’t have Debit card also
My humble prayer is that please help me to have proper justice so that they remove my name from CIBIL report. Your immediate intervention in this matter is solicited.

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