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BUSINESS
PERSONAL
 * Credit Report Products
    * * CIBIL Score and Report
      * Apply For A Loan
      * CIBIL Alerts
    * * CIBIL Rank and Company Credit Report
      * Free CIBIL Score
      * Score Simulator
   
   
 * Credit Education
    * * Credit Score and Loan Approvals
    * * Understanding CIBIL
   
   
 * Help Center
    * * Frequently Asked Credit Questions
      * Loan Rejections and Disputes
      * Purchase and Post-Purchase Help
      * CIBIL Rank and Company Credit Report FAQs
      * Frequently Asked Score Simulator Questions
      * New CIBIL Score
    * * Credit Score and Loan Basics
      * Understand Your Credit Score and Report
      * Apply For A Loan
      * Free CIBIL Score and Report
      * Consumer Awareness
      * ECLGS FAQs
   
   
 * Dispute Resolution
    * * Consumer Dispute Resolution
    * * Company Dispute Resolution
   
   
 * About
 * Blog
 * Support

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Subscribe now

 * Credit Report Products
    * * CIBIL Score and Report
      * Apply For A Loan
      * CIBIL Alerts
    * * CIBIL Rank and Company Credit Report
      * Free CIBIL Score
      * Score Simulator
   
   
 * Credit Education
    * * Credit Score and Loan Approvals
    * * Understanding CIBIL
   
   
 * Help Center
    * * Frequently Asked Credit Questions
      * Loan Rejections and Disputes
      * Purchase and Post-Purchase Help
      * CIBIL Rank and Company Credit Report FAQs
      * Frequently Asked Score Simulator Questions
      * New CIBIL Score
    * * Credit Score and Loan Basics
      * Understand Your Credit Score and Report
      * Apply For A Loan
      * Free CIBIL Score and Report
      * Consumer Awareness
      * ECLGS FAQs
   
   
 * Dispute Resolution
    * * Consumer Dispute Resolution
    * * Company Dispute Resolution
   
   
 * About
 * Blog
 * Support

BUSINESS
PERSONAL
Subscribe now
|
Partner Login
Consumer Commercial Microfinance CIBIL Credit & Farm Report Comprehensive Detect
Mortgage Check CRS IDVision Verification (erstwhile eVerify) Non Suit Filed
Cases
|
English
CIBIL English
CIBIL Hindi
CIBIL Tamil
CIBIL Telugu
CIBIL Bengali


 * Credit Report Products
    * * CIBIL Score and Report
      * Apply For A Loan
      * CIBIL Alerts
    * * CIBIL Rank and Company Credit Report
      * Free CIBIL Score
      * Score Simulator
   
   
 * Credit Education
    * * Credit Score and Loan Approvals
    * * Understanding CIBIL
   
   
 * Help Center
    * * Frequently Asked Credit Questions
      * Loan Rejections and Disputes
      * Purchase and Post-Purchase Help
      * CIBIL Rank and Company Credit Report FAQs
      * Frequently Asked Score Simulator Questions
      * New CIBIL Score
    * * Credit Score and Loan Basics
      * Understand Your Credit Score and Report
      * Apply For A Loan
      * Free CIBIL Score and Report
      * Consumer Awareness
      * ECLGS FAQs
   
   
 * Dispute Resolution
    * * Consumer Dispute Resolution
    * * Company Dispute Resolution
   
   
 * About
 * Blog
 * Support








CONSUMER DISPUTE RESOLUTION

How can I correct information in my CIBIL report?

You can initiate a dispute online with CIBIL to address inaccuracies, account
ownership, and duplication of information appearing in your credit report.

Dispute Resolution is a FREE service offered by CIBIL

Learn more about raising a dispute


WHAT IS THE PROCESS TO RAISE A DISPUTE?

A dispute can be raised for inaccuracies identified in your CIBIL report.

 * This data may have been incorrectly reported or not updated regularly by your
   banks/financial institutions.

 * You may identify and raise a dispute for your report through the online
   dispute form.

 * CIBIL will assist you in reaching out to the lenders to seek resolution of
   the disputed data




As per the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot
make any correction, deletion, or addition to any information in the database
without confirmation from the relevant bank/financial Institution.


WHAT CAN I DISPUTE IN EACH SECTION OF MY CREDIT REPORT?







 1. Account Information
 2. Personal Information
 3. Contact Information
 4. Enquiry Information


WHAT SHOULD I DO IF A RECENT PAYMENT IN LOAN ACCOUNT / CREDIT CARD IS NOT SHOWN
IN MY REPORT?

Your bank/financial institution will report any recent payments in your loan
account/credit card to TransUnion CIBIL in ~30 - 45 days.

If you have made a recent payment, kindly allow ~30-45 days after the payment
date for the same to reflect in your CIBIL Report.


WHAT SHOULD I DO IF I'VE CLOSED / PAID OFF THE ACCOUNTS BUT THEY STILL SHOW AS
THEY ARE UNPAID / OPEN?

Your bank/financial institution will report any recent payments in your loan
account/credit card to TransUnion CIBIL in ~30 - 45 days.

If you have made a recent payment, kindly allow ~30-45 days after the payment
date for the same to reflect in your CIBIL Report.


WHAT SHOULD I DO IF A CLOSED ACCOUNT IS SHOWING IN MY CIBIL REPORT?

Accounts reported as 'closed' will continue to reflect in your CIBIL report
regardless of its ageing after closed.

Please reach out to the reporting bank / financial institution for the desired
changes in your report.


WHAT SHOULD I DO IF CREDIT CARD BALANCE DOESN’T MATCH WITH MY STATEMENT / LATEST
PAYMENT?

Your bank/financial institution will report any recent payments in your credit
card to TransUnion CIBIL in ~30-45 days.

The date of data submission to TransUnion CIBIL will vary from the date of the
statement, hence the amount shown in the report may also vary. Because of this
you might observe some difference due to these dates.


WHAT SHOULD I DO IF THE INFORMATION IN MY REPORT IS OUTDATED / NOT LATEST?

Information available in this section is reported by your banks / financial
institutions and is based on the data collected by them during your loan /
credit card application.

This information will change once you update your latest information to your
banks / credit institutions. In turn, they will report the updated information
to TransUnion CIBIL, after which the details will be updated here.


HOW CAN I UPDATE NEW ID PROOF / REVISE IDENTIFICATION DETAILS?

Information available in this section is reported by your banks/ financial
institutions and is based on the data collected by them during your loan/credit
card application.

As per the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot
make any correction, deletion, or addition to any information in the database
without confirmation from the relevant bank/financial Institution.


WHAT IF I IDENTIFY CERTAIN DETAILS IN MY REPORT THAT DO NOT BELONG TO ME?

Information available in this section is reported by your banks / financial
institutions and is based on the data collected by them during your loan /
credit card application.

Please raise a dispute with us and we will verify the details in our records.


WHAT IF I FIND INFORMATION IS OUTDATED / NOT LATEST LIKE OLD CONTACT NUMBERS /
EMAIL IDS, PREVIOUS ADDRESSES?

Information available in this section is reported by your banks / financial
institutions and is based on the data collected by them during your loan /
credit card application.

This information will change once you update your latest information to your
banks / credit institutions. In turn, they will report the updated information
to TransUnion CIBIL, after which the details will be updated here.


HOW CAN I UPDATE NEW CONTACT DETAILS LIKE MOBILE NUMBERS AND EMAIL IDS?

Information available in this section is reported by your banks / financial
institutions and is based on the data collected by them during your loan /
credit card application.

This information will change once you update your latest information to your
banks / credit institutions. In turn, they will report the updated information
to TransUnion CIBIL, after which the details will be corrected here.


CERTAIN DETAILS REFLECTING IN MY REPORT DO NOT BELONG TO ME?

Information available in this section is reported by your banks / financial
institutions and is based on the data collected by them during your loan /
credit card application.

Please raise a dispute with us and we will verify the details in our records.



WHAT IS THE IMPACT OF ENQUIRIES ON MY CIBIL SCORE?

When you apply for new credit, lenders will often check your credit report,
which can have a marginal impact on your CIBIL Score. Applying for credit, too
frequently in a short period of time can therefore negatively impact your CIBIL
Score.


WHAT IF I HAVE NOT APPLIED FOR THESE LOANS / CREDIT CARDS?

Please raise a dispute with us and we will verify the details in our records.


HOW DO I INITIATE A DISPUTE


STEP 1

If you have an account with CIBIL, login to your CIBIL Dashboard. Or, if you
have received a copy of your CIBIL Report from one of our partners or any other
bank/financial institutions, you can signup for a Free Annual Credit Report
here 


STEP 2

Before initiating a dispute, login to refresh your CIBIL Score & Report. This
ensures you are referring to your latest updated report to reduce incorrect
disputes.


STEP 3

Complete the dispute request form. You can raise multiple dispute requests at a
time.


STEP 4

Await the banks/financial institutions response. Rest assured we diligently
follow up with the reporting lenders, however typical processing time may take
upto 30 days.


LOGIN TO MYCIBIL.COM TO VIEW YOUR LATEST CREDIT REPORT

LOGIN

If you are a new user, you can sign up for a Free CIBIL Score & Report here

SIGN UP

Note: In order to check your dispute status, you can login to your myCIBIL
portal and view the latest status.


DISPUTE RESOLUTION PROCESS



Alternatively, you can raise a dispute by writing to this address:



TransUnion CIBIL Limited
One World Center, Tower 2, 19th Floor,
Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013

Click here to write to us.



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CREDIT EDUCATION

 * Blog

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