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Dispute Resolution

Disputes

Your Credit Information Report (CIR) plays a large part of the loan application process. Hence, any discrepancy on your CIR may result in reduced chances of a loan approval. Therefore, it is important that the information on your CIR is accurate and updated.

The CIBIL CIR consists of Consumer / Borrower Information, Account Information and Enquiries. If any information on your CIR is inaccurate or needs to be updated, we shall be pleased to assist you in rectifying / updating your CIR. This is known as Dispute Resolution.

A Dispute Request can be raised based on either a CIR purchased by you directly from CIBIL or a CIR accessed by the Credit Institution when you have applied for a loan with that Credit Institution.

 
1 TYPES OF DISPUTES
1. Consumer / Borrower Information:
 
 

On receipt of your CIR, if you observe that your Consumer / Borrower information needs to be updated, you can now rectify the same by initiating a Dispute Request.

The fields that can be disputed are as under:

  • Name
  • Date of Birth
  • Gender
  • Income Tax ID
  • Passport Number
  • Voter's ID
  • Telephone Numbers
  • Address
  • State
  • PIN
  
2. Account Details:
 
 

You may also notice that your Account/s Information may not be updated for your most recent payment. This will usually be the case if you have purchased your CIR within 45 days of making a payment. Credit Institutions report information to the CIBIL on a monthly basis, which would mean that the latest payment will not reflect on your CIR immediately.

You can dispute for the following fields on your CIR.

  • Account/ Loan Type
  • Account Status
  • Ownership Type
  • Date of Last Payment
  • Date Opened
  • Date Closed
  • Sanctioned Amount/ High Credit
  • Current Balance
  • Amount Overdue
  • DPD/ Asset Classification
  
 
3. Ownership:
 
 

You can also raise a dispute for Ownership of an Account. The term Ownership of an Account means that that some personal details and one or more account/s do not belong to you.

  
 
4. Duplicate Account:
 
 

If the same account reflecting more than once in your CIR, you can initiate a Dispute Request.

  
 
Kindly note that the following fields cannot be disputed:
 
 
  • Control Number
  • Member Name (Unless it is an Ownership Dispute)
  • Account Number (Unless it is an Ownership Dispute)
  • Date Reported
  • Enquiry Date
  
 
     
CONTROL NUMBER

Every CIR has a unique 9 digit Control Number which is displayed on the top right hand side of your CIR. The control number will assist us in accessing the CIR that you have purchased for your review.

In case, you are initiating a dispute based on a CIR accessed by your Credit Institution, kindly obtain the Control Number and the date of the CIR from your Credit Institution before raising the dispute request.

In case you are disputing on a Bank Control Number, we request you to provide the following additional information while raising a dispute:

  • Account Type
  • Ownership
  • Date Reported
  • Date Opened
  • Current Balance

Action initiated by CIBIL

Based on the information submitted by you to initiate a dispute, we shall check with the relevant Credit Institution/s and notify you as appropriate in 30 days.

  
 
HOW TO INITIATE A DISPUTE

The easiest way to initiate a dispute request is by submitting a duly completed On-Line Dispute Form. Please click below to initiate an On-Line Dispute request.
 

 

  

Alternatively, you can raise a Dispute Request by writing to us at the following address:.

Credit Information Bureau (India) Ltd, Hoechst House, 6th Floor, 193, Backbay Reclamation, Nariman Point, Mumbai 400 021.