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How to Raise Dispute with CIBIL?
Any dispute in the CIBIL Report or Company Credit Report can be notified by raising a CIBIL dispute resolution request. Those who have registered on CIBIL can directly raise a dispute by logging into their CIBIL member account. Follow the steps given below:
Step 1: Login to ‘myCIBIL’ & Click on ‘Raise a Dispute’ tab
Step 2: Select the relevant section that you want to dispute
Step 3: Select the ‘Dispute Type’ and submit the details of the dispute in brief
Step 4: If you are disputing a data inaccuracy, enter the correct value for the disputed field and submit.
Alternatively, users can also fill out the CIBIL online dispute resolution form directly without logging in to myCIBIL via the below-mentioned URL.
Online dispute resolution is the fastest way to correct the discrepancies in your CIBIL Report. However, one can also raise a CIBIL dispute by writing a letter addressed to their registered office in Mumbai.
TransUnion CIBIL Limited
One World Center, 19th Floor, Tower 2A and 2B,
Senapati Bapat Marg,
Lower Parel, Mumbai – 400 013
NOTE: For any other queries you can also reach out to Paisabazaar on firstname.lastname@example.org
How Does CIBIL Resolve Disputes?
Once the dispute is raised by users by filling out the online dispute resolution form, CIBIL initiates the dispute resolution process as shown in the image below.
Types of CIBIL Disputes
- Individual Disputes
Inaccuracies in your CIBIL Report can be related to your personal details and issues related to duplicate accounts. Personal details include incorrect filing of name or address. For example, Sumit Malhotra could be misspelt 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 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.
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FAQs on CIBIL Disputes
Q.I have already closed a loan account but it is still reflected in my CIBIL report. Should it concern me?
Yes. You must confirm the same with CIBIL as it is not authorised to make changes in the credit report unless relevant details are furnished by the lender.
Q.Can I raise a CIBIL dispute offline?
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?
The turnaround time for a CIBIL dispute resolution is 30 days.
Q.What if I am not satisfied with the resolution of my dispute?
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?
It usually takes up to 7 days to incorporate changes in your CIBIL Report.
Q.How to check CIBIL dispute status?
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 the 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?
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?
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?
CIBIL uses the ‘red bands’ to mark the disputed section. Once the issue is resolved, the red band will disappear.