(1.) The Rule at the instance of a defaulting-borrower was issued challenging inclusion of his name in the list of Credit Information Bureau, Bangladesh Bank (hereinafter called CIB), which is evident from Memo No. Recovery-2/CIB/Report/21284-21285 dated 28.4.2010 issued by the Retail Customer Department-2, CIB Cell of Janata Bank Ltd. (herein proforma respondent 4).