I had a personal loan from 2010 to 2014 in CitiFinance and completed paying all EMIs w/o fail and do not have a clousure letter. When I apply for a new personal loan in 2015, I have been informed that my Cibil score is bad due to my personal loan which I already had. I inquired CitiFinance to know what, I have been told that I had paid all 47 EMIs and 1 EMI is pending from June'2013, requested Loan statement and verified with my bank and found there was indeed check bounces by June'2013 - I refered to my old record and seen that I have been contacted by Citi's associates by July'2013 and I have made this payment by cash on 2nd August'2015 and I do not have this payment receipt now. After 2 years I am being said that i have 1 EMI outstanding and I need to pay that including the interest till date in order to close my loan account and provide me the closure letter. I need their closure letter in order to rectify my cibil score, please advice how this issue should be resolved legally.