Recently, when Ms. Fang from Nantong, Jiangsu Province was checking her personal credit report, she found that the words "professionally made chickens for ten years" appeared in the above work unit column. This is really not very harmful. , extremely insulting. After investigation, it was found that this information was uploaded to the personal credit reporting platform by Jinshang Consumer Finance.

It turns out that in 2018, Ms. Fang signed a personal consumption loan contract with Jinshang Consumer Finance, with an amount of 162,000 yuan and a time period of 36 months. Later, because of the epidemic, Ms. Fang applied for an extension of repayment, and the other party agreed to extend the repayment until the end of 2020. As of now, Ms. Fang still needs to repay more than 70,000 yuan.

Later, Ms. Fang reported this to the Credit Information Office of the Nantong Branch of the People's Bank of China. Regarding this matter, the head of the Credit Information Management Section of the Nantong Branch of the People's Bank of China explained that the central bank's credit information system is a platform, and all personal credit information on it is The data is transmitted to the platform by relevant agencies, and whoever transmits it has any problems will bear legal responsibility. If the parties concerned have objections to this, they can go through relevant procedures to resolve the issue. In this regard, Ms. Fang has entrusted a lawyer to prepare a lawsuit to defend her rights. Ms. Fang hopes that Jinshang Consumer Finance Co., Ltd. can give a result as soon as possible, publish a public apology in the newspaper, and compensate for a certain amount of mental damage and reputational damage.

The bank’s response is to suspend the credit reporting system inquiry authority of Jinshang Consumer Finance from now on, and instruct internal rectification to implement various regulatory requirements. Although the bank responded accordingly, there are still doubts that make netizens wonder why such insulting words appear on personal credit reports, and who should be responsible for this matter?

The person in charge of the bank interviewed the person in charge of Jinshang Consumer Finance Company and asked the other party to reflect deeply on the matter, proactively respond to the customers' demands to eliminate the adverse effects, and conduct an in-depth investigation into the cause of the matter and Accountability, strengthening internal management, effectively fulfilling the responsibility for collecting and uploading credit information, and protecting the legitimate rights and interests of consumers.