房女士征信报告职业信息里被填写专业做鸡十年

房女士征信报告职业信息里赫然写着“专业做鸡十年”字样。当事人供图

Ms. Fang credit report career information impressively wrote "professional chicken ten years". Picture provided by the parties

人民网南通5月24日电（记者王继亮）近日，江苏南通市民房女士在查询个人征信时发现，其职业信息“工作单位”一栏中竟然出现了 “专业做鸡十年”字样。记者从中国人民银行南通中心支行了解到，经该行协调，涉嫌上传不当信息的晋商消费金融股份有限公司（下称“晋商消费金融”）已做了在线删除处理。然而，据房女士称，事发后她一直没有收到涉事公司针对此事的正当说法。

People's daily, Nantong, May 24 (reporter Wang Jiliang) - recently, when inquiring about personal credit information, Ms. Fang in Nantong City, Jiangsu Province, found that "ten years of professional chicken making" appeared in the column of "work unit" of her career information. The reporter learned from Nantong central sub branch of the people's Bank of China that through the coordination of the bank, Shanxi Merchants Consumer Finance Co., Ltd. (hereinafter referred to as "Shanxi Merchants consumer finance") suspected of uploading improper information has been deleted online. However, according to Ms. Fang, after the incident, she has not received a legitimate statement from the company concerned.

做个体户的房女士与晋商消费金融之间存在借贷关系。房女士介绍，2018年4月，她在位于南通中南大厦的晋商消费金融分支机构签署了一份16.2万元的个人消费贷款合同，贷款期限约定36个月。经人民银行南通中心支行了解，去年2月，房女士向晋商消费金融提出因疫情影响延期还款，后者为其延至2020年底再接着还款。房女士告诉记者，按照晋商消费金融的算法，截至目前，她尚需偿还本息7万余元。

There is a loan relationship between the self-employed Ms. Fang and the consumer finance of Shanxi merchants. Ms. Fang said that in April 2018, she signed a personal consumption loan contract of 162000 yuan at the consumer finance branch of Shanxi Merchants in Nantong Zhongnan building, with a loan term of 36 months. According to the understanding of Nantong central sub branch of the people's Bank of China, in February last year, Ms. Fang proposed to Shanxi consumer finance to postpone the repayment due to the impact of the epidemic, and the latter proposed to postpone the repayment until the end of 2020. Ms. Fang told reporters that according to the Shanxi consumer finance algorithm, so far, she still needs to repay the principal and interest of more than 70000 yuan.

4月6日，房女士在人民银行南通中心支行查询个人征信发现上述问题后甚为惊愕，随后向该行进行了反映。如此信息缘何会出现在个人征信报告上？人民银行南通中心支行征信管理科科长姜文华在接受记者采访时解释，央行征信系统是一个平台，数据都是由相关金融接入机构传送，谁传送谁负法律责任；当事人如有异议，可走征信异议处理程序。搞金融贷的那些人，和银行系统有着紧密的合作关系。

On April 6, Ms. Fang inquired about personal credit information in Nantong central sub branch of the people's Bank of China. She was shocked to find the above problems, and then reflected to the bank. Why does such information appear in personal credit report? Jiang Wenhua, head of the credit information management section of Nantong central sub branch of the people's Bank of China, explained in an interview that the central bank's credit information system is a platform, and the data is transmitted by relevant financial access institutions. Whoever transmits the data is legally responsible; If the parties have any objection, they can go through the credit investigation objection handling procedure.

“经向晋商消费金融核实，他们承认不当信息是由他们上传到征信系统的。”姜文华表示，人民银行实行属地管理，因晋商消费金融已经撤销南通分支机构，他们遂将房女士反映的情况上报至人民银行南京分行，再协调人民银行太原中心支行处理此事。4月6日当天，人民银行太原中心支行即责令晋商消费金融在线修改了房女士的相关职业信息。

"After verification with Shanxi Merchants' consumer finance, they admitted that the improper information was uploaded to the credit reference system by them." Jiang Wenhua said that the people's Bank of China implements territorial management. As Shanxi Merchants' consumer finance has withdrawn its Nantong Branch, they then reported Ms. Fang's report to the Nanjing Branch of the people's Bank of China, and then coordinated with the Taiyuan Central Branch of the people's Bank to deal with the matter. On April 6, Taiyuan Central Branch of the people's Bank of China ordered Shanxi merchants to modify Ms. Fang's relevant career information online.

对于房女士要求晋商消费金融赔偿其相应的精神与名誉损失的诉求，人民银行南通中心支行表示，该诉求系民事纠纷，建议当事人通过诉讼渠道解决。北京盈科（南京）律师事务所律师谭小辉认为，个人姓名等身份信息、欠款金额、逾期时间可以上传征信系统，但征信机构不能“想怎么写就怎么写”，如果确如该个案中有辱人格或名誉的内容出现，当事人可就名誉权受到侵害等向法院提起诉讼。

As for Ms. Fang's claim that Shanxi Merchants' consumer finance should compensate for their corresponding spiritual and reputation losses, the Nantong Central Branch of the people's Bank of China said that the claim was a civil dispute and suggested that the parties should solve it through litigation channels. Tan Xiaohui, a lawyer of Beijing Yingke (Nanjing) law firm, believes that personal name and other identity information, amount of arrears and overdue time can be uploaded to the credit reference system, but the credit reference institutions can not "write as they want". If the content of degrading or reputation appears in the case, the parties can file a lawsuit to the court for infringement of the right of reputation.

不当信息因何上传征信系统，事后是否调查处理？截至发稿前，晋商消费金融一自称负责客户投诉的工作人员未对记者的采访诉求正面答复，只表示公司相关部门已经和房女士沟通过，记者要了解相关情况可以向房女士了解。房女士则称，她本人就还款事宜和晋商消费金融保持着沟通，但尚未收到对方就有关征信问题的反馈。

Why is improper information uploaded to the credit reference system and whether it is investigated and handled afterwards? By the time of press release, a staff member of Shanxi business consumer finance who claimed to be responsible for customer complaints did not give a positive reply to the reporter's interview demands, but only said that the relevant departments of the company had communicated with Ms. Fang, and the reporter can learn from Ms. Fang if he wants to know the relevant situation. Ms. Fang said that she had maintained communication with Shanxi Merchants' Consumer Finance on repayment matters, but had not received feedback from the other party on credit investigation issues.

对于此事的进展，本网将继续关注。

Regarding this matter's progress, this net will continue to pay attention.