You can communicate with Harbin Bank to find out why. If it is really the responsibility of the bank, you can ask Harbin Bank or Harbin Branch of China People's Bank to raise an objection and ask for correction.

According to Article 25 of the Regulations on the Administration of Credit Information Industry, if the information subject thinks that the information collected, saved and provided by the credit information agency is wrong or omitted, he has the right to raise an objection to the credit information agency or information provider and ask for correction. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents. After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

Twenty-sixth information subjects believe that credit reporting agencies, information providers and information users have infringed upon their legitimate rights and interests, and may complain to the agencies dispatched by the local credit reporting supervision and management department of the State Council. The institution accepting the complaint shall promptly verify and handle it, and give a written reply to the complainant within 30 days from the date of acceptance. If the information subject thinks that the credit reporting agency, information provider or information user has infringed upon their legitimate rights and interests, they may directly bring a lawsuit to the people's court.