Spotted errors in your CIBIL Report?
Errors in your CIBIL report may result from outdated or incorrect data reported by your lenders. CIBIL connects with lenders to help resolve and correct your credit report details.
How to initiate a dispute?
Follow the steps below to raise a dispute
For alternate ways to raise a dispute, click here
Check out this video to learn how to raise a dispute with CIBIL.
Below diagram illustrates the process of Dispute Resolution.
Important Points to Note
- As per the Credit Information Companies (Regulation) Act 2005, no correction, deletion or addition to any information in the database can be made by CIBIL without confirmation from the concerned bank/financial institution.
- As per the RBI Guidelines, the onus of providing accurate details will lie with the complainant and the banks/financial institution and or CIBIL will not be held responsible for any incorrect information provided by the complainant
- Any dispute is to be resolved within 30 days from date of receipt by CIBIL or banks/financial institutions as per RBI. Compensation pertains to delays in dispute resolution and is not applicable to any other services provided by CIBIL.
- Dispute Resolution is a FREE service offered by CIBIL. Consumers are not required to pay a fee for rectifying discrepancies or updating their credit information.
Select the section of the report you wish to dispute
- Account Information
- Profile Information
- Enquiry Information
Your bank or financial institution reports recent payments on your loan or credit card to TransUnion CIBIL. It usually takes about 15-30 days for these payments to show up in your CIBIL report. If it has been more than 30 days, you can raise a dispute by following these steps. Resolving a dispute may take up to 30 days, depending on the response time of the bank or financial institution.
Your bank or financial institution reports recent payments on your loan or credit card to TransUnion CIBIL. It usually takes about 15-30 days for these payments to show up in your CIBIL report. If it has been more than 30 days, you can raise a dispute by following these steps. Resolving a dispute may take up to 30 days, depending on the response time of the bank or financial institution.
Accounts marked as 'closed' will remain visible in your CIBIL report regardless of how long they have been closed. For any desired changes in your CIBIL report, please contact the reporting bank or financial institution. According to the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot alter, delete, or add any information in the database without confirmation from the relevant bank or financial institution.
Your bank or financial institution reports recent payments on your loan or credit card to TransUnion CIBIL. It usually takes about 15-30 days for these payments to show up in your CIBIL report. If it has been more than 30 days, you can raise a dispute by following the steps provided. The date of data submission to TransUnion CIBIL may differ from the statement date, which can cause variations in the reported amount. Due to these date differences, you might notice some discrepancies.
If it has been more than 30 days, you can raise a dispute by following these steps. Resolving a dispute may take up to 30 days, depending on the response time of the bank or financial institution.
There are certain types of loans (such as small ticket Personal Loans) which are availed through digital lending platforms. These are often financed by partner banks or financial institutions, whose names may appear on your CIBIL Report instead of the platform. Key scenarios include:
· Regulated entities offering credit under a different brand name. For eg., legal entity name displayed on CIBIL report instead of popular application name
· Regulated entities offering credit through multiple brands and channels
· Loans taken through a digital lending platform may appear multiple times on your CIBIL report, where the loan amount is split between different banks or financial institutions. To better understand this co-lending arrangement, it is essential to carefully review the terms and conditions provided by the digital lending platform.
The information in this section is provided by your banks or financial institutions and is based on the data they collected during your loan or credit card application. This information will be updated once you provide your latest details to your banks or credit institutions. They will then report the updated information to TransUnion CIBIL, which will reflect in your report.
If you still wish to raise a dispute, follow these steps to raise a dispute. Resolving a dispute may take up to 30 days, depending on the response time of the bank or financial institution.
The information in this section is reported by your banks or financial institutions based on the data collected during your loan or credit card application. According to the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot alter, delete, or add any information in the database without confirmation from the relevant bank or financial institution. Your CIBIL report will only be updated after the change is authorized and provided by the concerned bank or financial institution. For any required changes, please contact your bank or financial institution.
The information in this section is reported by your banks or financial institutions based on the data collected during your loan or credit card application. If you notice any details that do not belong to you, please raise a dispute by following these steps. Resolving a dispute may take up to 30 days, depending on the response time of the bank or financial institution.
To know details of bank/financial institution who has reported your data, please raise a dispute by following the below steps and we will help you with the required details as per our records: Login to MyCIBIL portal >> View your latest CIBIL Report >> Go to “Raise a Dispute” >> Select “Personal Information” and relevant query >> Click on “Raise a Dispute”
The information in this section is provided by your banks or financial institutions based on the data collected during your loan or credit card application. This information will be updated once you provide your latest details to your banks or credit institutions. They will then report the updated information to TransUnion CIBIL, which will be reflected here.
If you still wish to raise a dispute, follow the steps: Login to MyCIBIL portal >> View your latest CIBIL Report >> Go to “Raise a Dispute” >> Select “Contact Information” and relevant query >> Click on “Raise a Dispute”
It may take up to 30 days to resolve a dispute, subject to the time taken by the bank / financial Institution to respond.
The information in this section is provided by your banks or financial institutions based on the data collected during your loan or credit card application. This information will be updated once you provide your latest details to your banks or credit institutions. They will then report the updated information to TransUnion CIBIL, which will be reflected here. If you still wish to raise a dispute, follow the steps: Login to MyCIBIL portal >> View your latest CIBIL Report >> Go to “Raise a Dispute” >> Select “Contact Information” and relevant query >> Click on “Raise a Dispute”.
It may take up to 30 days to resolve a dispute, subject to the time taken by the bank / financial Institution to respond.
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 with your banks / credit institutions. In turn, they will report the updated information to TransUnion CIBIL, after which the details will be corrected here.
Whenever you apply for a loan or credit card, the lender will check your CIBIL Report, which will be noted as "Enquiries" in your CIBIL report. This can have a minimal impact on your CIBIL score. Applying for credit too frequently within a short period can negatively affect your CIBIL score.
Enquiries are added to your report when you apply for a loan, or a credit card and the bank/financial institution accesses your CIBIL Report. Please note that “Enquiry” does not mean that you have availed or are using these credit cards or loans but simply mean that you may have applied for it at the bank / or credit financial institution
If you still wish to raise a dispute, follow these steps: Login to MyCIBIL portal >> View your latest CIBIL Report >> Go to “Raise a Dispute” >> Select “Enquiry Information” and relevant query >> Click on “Raise a Dispute”
It may take up to 30 days to resolve a dispute, subject to the time taken by the bank / financial Institution to respond.
There are certain types of loans (such as small ticket Personal Loans) which are availed through digital lending platforms. These are often financed by partner banks or financial institutions, whose names may appear on your CIBIL Report instead of the platform. Key scenarios include:
· Regulated entities offering credit under a different brand name. For eg., legal entity name displayed on CIBIL report instead of popular application name
· Regulated entities offering credit through multiple brands and channels
· Loans taken through a digital lending platform may appear multiple times on your CIBIL report, where the loan amount is split between different banks or financial institutions. To better understand this co-lending arrangement, it is essential to carefully review the terms and conditions provided by the digital lending platform.
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