[Resolved]  Abn Amro — my personal loan Top up

I am holding a personal Loan of ABN since 2006 and ECS is being taken everymonth from my bank account of HDFC. Once it failed in April 2007 due to RBI clearing Problem/ my hospitalisation but immediately the instalment have been paid in cash on 30/4/07 and after that it never failed and uptodate till now.
One credit card gifted to me by ABN being a gesture of a good customer have been used by me for six months during Sept.07-jan 08 and I have paid, Dec 1200/- jan 08 1200/- March 08 3000/- April 500/- and closed my card on June 10th by paying 13965/- in full.
I am surprised to find me as defaulter in CIBIL why and how.
You can check and find please.
I work for HCL Technologies Ltd for the last five years and never defaulted as a money matter is concerned and I do not hold any credit card except above.