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Your CIBIL report contains details of credit transactions you have performed in the past. At times, there can be some typographical errors, inaccurate information, mismatched data, or discrepancies in your credit report that can be detrimental to your loan and credit card approval. A CIIBIL dispute resolution can help in rectifying these errors.
It is recommended to check your credit report regularly for errors regarding your personal and account details, payment history, information related to existing credit, collateral/security, etc., and raise a CIBIL dispute at the earliest to rectify errors, if any. The CIBIL dispute resolution process can be carried out online and resolved within a month.
Steps to Raise Dispute with CIBIL – Consumer Dispute Resolution Process
Any dispute in your CIBIL Report or Company Credit Report (CCR) can be notified by raising a CIBIL dispute online under the Consumer Dispute Resolution process by visiting the official website of TransUnion CIBIL. Registered members can raise disputes in CIBIL directly by logging into their CIBIL member account.
How to Raise CIBIL Dispute Online
Please follow the steps below to raise dispute(s) in your credit report:
Step 1: Login to your CIBIL account by visiting https://www.cibil.com/consumer-dispute-resolution
If you don’t have an account already, you would need to create one.
Step 2: Go to the Credit Report Tab and click on ‘Raise a Dispute‘ available at the bottom of the page.
Step 3: On the CIBIL dispute centre, select the part that you would like to dispute.
Step 4: Click on Find solution under your issue type and then click on Raise a Dispute.
You may need your ECN No. to raise disputes on CIBIL’s website.
Types of CIBIL Disputes
Individual Disputes
Inaccuracies in your CIBIL report can be related to your details and issues related to duplicate accounts. Personal details include incorrect filing of name or address.
For example, Sumit Malhotra could be misspelled as Sumit Mehrotra or a single loan account may be reflected in your CIBIL Report twice, thus reducing your overall score.
Company/Commercial Disputes
Company disputes may arise in the form of incorrect ownership details, the existence of duplicate accounts, data inaccuracies, etc. The authorized signatory of the company can initiate dispute resolution by filling out the CIBIL dispute form.
However, information that cannot be rectified through the dispute resolution mechanism includes account number, member name, enquiry date, and control number.
CIBIL Dispute Resolution FAQs
Q. I have already closed a loan account but it is still reflected in my CIBIL report. Should it concern me?
Ans. Yes, you must confirm the same with CIBIL as it is not authorized to make changes in the credit report unless relevant details are furnished by the lender.
Q. Can I raise a CIBIL dispute offline?
Ans. Yes, it is possible to raise a dispute by writing a letter to CIBIL addressed to its registered office in Mumbai. Make sure that you enter all important details such as the report order number, transaction ID, etc., and send the application to the registered office address of CIBIL as mentioned above.
Q. How long does it take for CIBIL to resolve a dispute?
Ans. The turnaround time for a CIBIL dispute resolution is 30 working days.
Q. What if I am not satisfied with the resolution of my dispute?
Ans. In case you are not satisfied with the resolution, a new dispute resolution request can be raised along with the details of the previous request.
Q. After the dispute resolution, how long does it take for CIBIL to furnish my new CIBIL report?
Ans. It usually takes up to 7 working days to incorporate changes in your CIBIL report.
Q. How to check CIBIL dispute status?
Ans. If you already have access to myCIBIL, you can check the status by logging into it and going to the ‘Dispute Status’ section. However, if you do not have access to myCIBIL, CIBIL sends you email notifications regarding the status of your dispute.
When you successfully raise a Company Dispute, a unique ID for the dispute will be generated which can be used to track CIBIL dispute status. You can also call the CIBIL helpline for the same.
Q. How will I know that my dispute has been resolved?
Ans. An SMS will be sent to your registered mobile number stating that the dispute has been resolved.
Q. Can I raise several disputes for the same report at a time?
Ans. No. This facility is not yet provided by CIBIL. You can only rectify one field at a time. If you are disputing an ownership issue, you cannot raise a data inaccuracy issue along with it.
Q. Why do certain sections of my CIBIL report have red bands?
Ans. CIBIL uses the ‘Red Bands’ to mark the disputed section. Once the issue is resolved, the red band will disappear.