NDXP — I am never applied for loan. How it can be shown in my cibil score

My slef Sayan Ghosh. Adress - Jagannathpur, barasat north 24pgs. Those many a/c was created without my permission and also ECS charged to my Bank account ([protected]). My a/c debited many times and my civil score always dowen.
Its requested to you please closed all a/c and refund the amount which was debited from my account as soon as possible.
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PLZZ contact me my Lone pending sir
[protected] sir

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