This writ petition has been filed for direction to the first respondent to appoint an arbitrator as envisaged under Section 18(2)a of the Credit Information Companies (Regulation) Act, 2005.

2. The petitioner is the proprietor of Rajalingam Group of Transports. He has been associated with several group of companies including the second respondent. In order to obtain loans, a credit score is required in terms of Section 2(g) of the Credit Information Companies (Regulation) Act, 2005 (hereinafter called as 'the Act'). The first respondent is empowered to permit credit information companies to register under itself. Such credit information companies issued credit scores, which determines the credit worthiness of borrowers, based on which the lenders lend loans. The petitioner's lenders credit information company is Trans Union CIBIL whose credit score is called as CIBIL score.

2.1 The petitioner used to avail loans from the second respondent against immovable properties. Due to various reasons, the petitioner ran into severe financial crisis. Therefore, the petitioner invested on vehicles, manpower, new geographies and technology to endorse his commercial operations for which he ap