CIBIL Dispute Resolution: How to Raise Dispute and Check Status Online?

CIBIL reports reflect your financial health, and even a minor error might impact your credit score. Mistakes like incorrect transactions or typos can lead to lower scores, impacting your chances of getting loans or credit cards. To correct such issues, you can raise a dispute with CIBIL online or file a complaint offline with TransUnion CIBIL.

A dispute in the CIBIL report arises when there is an inaccuracy or inconsistency in your credit report generated by TransUnion CIBIL. This can include incorrect account details, unrecognised transactions, or inaccurate personal information. 

Such errors can lower your credit score and may lead to negative financial consequences.

CIBIL dispute types depend on the entity you are registered as, a company or an individual. Here is a look at CIBIL disputes under each category:

1. Company/Commercial Disputes

As a company, raise a dispute with CIBIL if there are errors in any of the following details:

• Enterprise or Banking Information

If you find any mistake in your organisation’s name, ownership details, or address, you can raise a dispute. Additionally, the company’s incorrect banking details can also be rectified under this.

• Account Duplication

If you notice that your account details are added repeatedly in your report, fill out the form to raise a dispute with CIBIL.

1. Individual Dispute

As an individual, you can fill out a CIBIL consumer dispute form if you find the following inaccuracies in your credit report.

• Personal Details

You may file a dispute if you find an inaccuracy in your personal details, like name, contact number, email ID, PAN details, etc.

• Duplicate Account

If your credit account surfaces on your credit report more than once, fill out the form to raise a CIBIL dispute online.

You can raise a CIBIL dispute online or offline. If you find any error in your credit report, raise a dispute through either of the following modes.

1. Online Medium

To file for a CIBIL dispute online, follow the steps given below:

1. Visit the official CIBIL website - https://www.cibil.com/

2. Log in or click on MYCIBIL. 

3. If you are an existing user, click on 'EXISTING USER' in the top right corner.

4. Log in to your CIBIL Dashboard using your credentials

5. Click on ‘Credit Reports’ and then select ‘Dispute Centre’

6. Click on the ‘Dispute Item’ option

7. Fill in the dispute form 

8. Re-check the details and submit the form

    

You will receive CIBIL dispute status updates on your registered contact details. You can file multiple complaints if required. Keep in mind that the CIBIL dispute resolution process can take up to 30 days.

1. Offline Medium

To raise a CIBIL dispute offline, you need to submit a written request detailing the specific issue in your CIBIL report. Send the letter to the following address:

 

TransUnion CIBIL Limited,

 

One Indiabulls Centre, Tower 2A, 19th Floor,

Senapati Bapat Marg, 

 

Elphinstone Road, Mumbai – 400013

 

Once your dispute is received, CIBIL shares the details with the concerned Credit Institution (CI). The resolution process then begins.

As part of the dispute process, you will need your control number. It is a unique nine-digit identifier located at the top of your credit report. This number helps CIBIL trace the exact version of your report, enabling quicker and more accurate resolution of your dispute. After you submit the CIBIL dispute form, here is what will happen:

1. Confirmation and Interaction

CIBIL reviews the information you have marked as incorrect. The team then forwards the details to the relevant lender or credit institution involved in the dispute.

1. Examination and Resolution

The lender examines the disputed information. If they agree that it is inaccurate, they coordinate with CIBIL to update your credit report with the correct details.

1. Clear Report, Higher Score

Once the dispute is resolved, the “Under Dispute” tag is removed from the specific field. The updated information usually appears in your next credit report within 30 days.

You must raise a CIBIL dispute as soon as you come across any errors. To provide the best possible service, CIBIL offers various ways to contact customer support. You can raise CIBIL disputes online or offline and get them resolved without any hassles.