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

• Errors in your CIBIL report can lower your credit score and affect future loan or credit card approvals
  

• You can raise a CIBIL dispute online via MYCIBIL or offline by sending a written request to TransUnion CIBIL
  

• The control number from your credit report is essential for tracking and resolving disputes accurately
  

• CIBIL generally resolves disputes within 30 days and shares regular status updates via email and MYCIBIL
  

• Only one dispute can be raised per report at a time, but you can file a fresh dispute after the first is closed

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.

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

Here are the detailed steps to raise a CIBIL dispute, both online and offline:

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 ‘Access Dispute Form’

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.

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 World Center, Tower 2, 19th Floor,

Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013

You can contact CIBIL’s customer support team for help with dispute registration and resolution. Once your dispute is registered, CIBIL shares the details with the relevant credit institution, and the resolution process begins.

Phone Number: 022 6140 4300

You can also use the contact form on the official CIBIL website at https://www.cibil.com/contact-us-faq

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.

2. 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.

3. 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.

Here are the documents you need to carry to raise a CIBIL dispute, for both individual consumers and entities:

For Individual Consumers

Original and photocopy of 1 of the following ID proofs:

• PAN Card
  

• Passport
  

• Driving License
  

• Voter’s ID

For Proprietors, Partners, or Representatives of Entities

Corporate Entities (Private and Public Limited Companies):

• PAN of the corporate entity, attested by the Company Secretary (CS) OR
  

• Copy of PAN / Driving License / Passport of the authorised signatory submitting the request for the CIBIL Company Credit Report (CCR)

Proprietorship Firms:

• Copy of PAN of the proprietor

Partnership Firms:

• Copy of Trust’s PAN OR
  

• Copy of PAN of the trustee making the request for CIBIL CCR

Hindu Undivided Family (HUF):

• Copy of PAN of HUF OR
  

• Copy of PAN of Karta

Registered Society:

• Copy of PAN of HUF OR
  

• Copy of PAN of Karta

Government Bodies / Public Sector Units:

• PAN copy of the Government entity (if available) OR
  

• Copy of PAN / Driving License / Passport of authorised signatory submitting the request for CCR

Entities Created by Statutes (excluding regulators):

• PAN copy of the entity (if available) OR
  

• Copy of PAN / Driving License / Passport of authorised signatory submitting the request for CCR

Trust:

• PAN of Trust OR
  

• PAN / Driving License / Passport of Trustee submitting the request for CCR

Unincorporated Association or Body of Individuals (AOP):

• Authorised signatories list with specimen signatures
  

• PAN copy of the authorised signatory

CIBIL disputes arise from various issues that affect the accuracy of your credit report. Understanding these common causes can help you address the problem promptly:

• Incorrect personal information like name, address, contact details, or PAN
  

• Ownership issues where an account does not belong to you or your company
  

• Account mismatch, such as wrong loan type, incorrect limits, or wrong lender name
  

• Delayed or missed updates by lenders after EMI payments or loan closures
  

• Duplicate accounts appearing more than once in the credit report
  

• Wrong outstanding balance, overdue amount, or account status (active or closed)
  

• Unauthorised or repeated enquiries by lenders that you did not request
  

• Technical or data-entry errors during reporting by banks and other institutions

If you notice any of the following issues in your CIBIL report, it’s crucial to raise a dispute as soon as possible:

• Incorrect personal or company information on your report
  

• Loans or credit cards that you did not apply for appearing in your report
  

• A closed loan or card showing as active or overdue
  

• Payment history not reflecting recent EMIs paid on time
  

• Discrepancies in the outstanding balance or overdue amount compared to lender records
  

• Duplicate accounts or enquiries appearing on your report
  

• A sudden, unexplained drop in your CIBIL score due to an error
  

• Lenders refusing or delaying updates, even after you’ve provided proof

Before you file a CIBIL dispute, it’s important to carefully review the details and ensure everything is in order. 

Keep the following in mind:

• Cross-check your credit report

Verify that the error is genuine before raising a dispute

• Confirm with your lender

Ensure the latest status from your lender matches your credit report

• Prepare supporting documents

Keep statements, NOCs, and email confirmations ready

• Update your details

Ensure your personal information with the lender is correct to avoid mismatches

• Understand CIBIL’s role

CIBIL only updates data provided by lenders

• Avoid duplicate disputes

Do not submit multiple disputes for the same issue

• Resolution timeline

Be prepared for up to 30 days for dispute resolution, depending on lender response

• Be specific

Use clear, concise descriptions when filling out the CIBIL dispute form to prevent confusion

There are several reasons why a CIBIL dispute may be rejected. Avoid these common pitfalls to improve your chances of success:

• The information in the report matches the data provided by the lender
  

• You haven’t provided sufficient supporting documents or proof for your claim
  

• The issue is related to a lender’s approval decision, not a data error
  

• You’ve raised the same dispute multiple times without new supporting evidence
  

• The lender confirms that the account and payment history reported are correct
  

• The dispute description is vague or unclear, or does not match the dispute type
  

• You’ve raised a dispute for information that is still under processing or has recently been updated

If your CIBIL dispute is rejected, follow these steps to resolve the issue:

• Review the dispute response carefully

Examine the reason given for rejection to understand the specific issue

• Re-check your documents and records

Ensure your supporting documents, such as bank statements, loan statements, and NOCs, are accurate and up to date

• Contact your lender directly

Reach out to the bank or financial institution involved to request a correction at their end

• Collect stronger supporting evidence

Obtain additional documentation, such as written confirmation or updated statements from your lender

• Raise a fresh dispute with updated details

Once you have stronger proof, file a new dispute, clearly referencing the previous case for clarity

• Monitor your CIBIL report regularly

Keep checking your report to ensure that any approved corrections are reflected in the next update

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.