CIC/VO never contacts Bank. bank is not supposed to give info about their customers to third party.
If CIC/VO needs any info, they will contact the applicant himself for further proofs. Most of the times this may be after PER, but CIC/VO does it only where they have a doubt on the genuineness of the docs provided by the applicant.
correct thats true , if they want to inquire in bank they need to hire agnecy who will than take your documents along with verfication form , its like if you apply in icici bank for home loan and provided 6 month bank statment of hdfc bank as proof of salary credit than icici bank will send verification through third party to check whether customer holds this account and credits are matching or not
bank dont give information on phone , as i work in bank so i am sharing the same
