Experian Dispute Resolution – How to Raise Experian Disputes?

Errors or discrepancies in your credit report can prove unfavourable for your credit score, i.e. can lower your credit score. A low credit score can curtail your credit options like a credit card or personal loan in times of need. Here we shall talk about Experian Dispute Resolution, i.e. how to raise disputes in your Experian credit report and how Experian resolves the same.

How to Raise a Dispute with Experian India

If you’ve spotted an error in your Experian credit report, follow the steps mentioned below to raise a dispute with Experian:

Step 1: Visit the official website of Experian and log in to your account or click here.

Step 2: On the top of the page, find the option of Dispute and select “Raise Dispute” from the drop-down menu.

Step 3: Fill the form thus opened and “Submit” after thoroughly checking the details entered.

You will receive a notification on the correspondence provided by you in the form as an acknowledgement of your complaint. Please keep it safe as it will be helpful to track your dispute later.

Important Points Regarding Experian Dispute Filing

When filing a complaint to correct detail(s) in your Experian credit report, do consider the following points:

• Quote your Experian Report Number, or ERN, when filing your complaint. This is a 15-digit number mentioned on the top of your Experian credit report that will be used by customer support to validate your information.
• Highlight the nature of the dispute to avoid any confusion/latency.
• You should receive an acknowledgement of your complaint within 24 hours or by the next business day.
• Experian would take up to 3 business days (from the date of receipt of complaint) to initiate action on your complaint.

Understand How Experian Handles Disputes

The cycle of raising disputes by you, the consumer, and resolving the dispute by the bureau, i.e. Experian is simple. Let’s see how:

When you (the consumer) raise a complaint – Experian contacts the concerned credit institution (bank or other financial institution) for verification

Scenario 1: If rectification is confirmed by the institute contacted (i.e. the concerned bank or lender that shared your credit information), Experian corrects the mistake and informs you (the consumer).

Scenario 2: If the data provider confirms that the information mentioned in your credit report is correct, i.e. there are no errors, Experian will close the complaint and notify you (i.e. the consumer).

Note: This process takes up to 30 days from the receipt of the complaint.

However, if you are not satisfied with the actions thus taken, you can write to the following in the order as given:

1st level: nodal.officer.india@experian.com

2nd level: smgr.operations@experian.com

3rd level: head.operations.india@experian.com

Note: It is advised to wait for up to 45 days from the date of filing the dispute before you work on further correspondence. 

If there is a change in your credit report post-dispute, Experian will most likely share the updated credit report with you along with a notification via SMS and/or email. Study this updated report thoroughly and in case you find further discrepancies than the ones corrected in your credit report, inform Experian about the same immediately.

Experian Customer Care Support – Other Modes of Disputing Errors

Apart from the method stated above, you can contact the customer care department of Experian India* by any of the following modes:

Call: 022 – 66419000 – 6:00 am to 8:00 pm; Monday – Friday

Email: Send an email to consumer.support@in.experian

Write: Post your grievance letters addressed to –

Experian Credit Information Company of India Pvt. Ltd.

Consumer and Customer Support Team

Equinox Business Park, Tower 3, 5th Floor

East Wing, LBS Marg

Kurla (West), Mumbai, 400070

*Credit Information Company of India Private Limited (ECIC)

Make it a habit to check your credit report every month. This will help you find errors in your credit report quicker and get the same dispute at the same pace. The reason we emphasize on disputing an error in the credit report as soon as possible is that an error in your credit report can significantly lower your credit score. And if your credit score slips, so shall your chances of getting good credit options in future.

FAQs

Q. Do I need to submit any information or documents along with the Experian dispute resolution form?

Ans. Yes, there are various types of information to be submitted when raising a dispute with Experian, such as your full name, social security number, date of birth and current address. Additional documents are also required depending upon how you submit your dispute, including email address, a copy of Govt. issued identification cards, such as a driver’s license or state ID  card, a copy of a utility bill, bank or insurance statement.

Q. How do I contact Experian India to raise a dispute?

Ans. To raise a dispute with Experian, you can call on 022-66419000, send an email at consumer.support@in.experian or write it to the below address:

Experian Credit Information Company of India Private Ltd.
Equinox Business Park, Tower no. 3, Floor no. 5,
East Wing, LBS Marg, Kurla (West),
Mumbai – 400070

Q. Will I be able to see the changes made to my credit report by Experian immediately?

Ans. No, the changes will not be reflected immediately in your credit report. First, you shall receive an acknowledgement of your complaint within 24 hours. Then, Experian shall take at least 3 business days to initiate the complaint or resolution process.

Q. Why was my dispute application regarding my Credit Information Report rejected?

Ans. Your dispute resolution form might have been rejected because the details that you provided were incorrect or Experian was not able to match it with its database. Therefore, ensure that you mention all the relevant and accurate details while raising a dispute.

Q. Are there any fees that I need to pay for queries as well?

Ans. No, there are no fees levied by Experian for any queries asked by the consumers or applicants.

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