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Sometimes you may see errors in your CIBIL credit report. These errors can include spelling mistakes and incorrect credit-related details. To rectify these inaccuracies, you can raise a CIBIL dispute online for a quicker resolution. You can also file a complaint offline by writing to TransUnion CIBIL.

What are CIBIL Disputes?

CIBIL dispute is a process of raising or filing a correction request online when you find any inaccuracy in your CIBIL report and want to rectify it. These inaccuracies may include incorrect bank data, transaction details, spelling issues, inaccurate email IDs, etc. You can start the process by filling up the CIBIL dispute form.

Types of CIBIL Disputes

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

1. Company Disputes

As a company, raise a dispute in CIBIL if there are errors in either 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 an account is recorded repeatedly in your report, fill out the form to raise a dispute with CIBIL.

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

Steps to Raise CIBIL Dispute Online/Offline

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:

  • Visit the official CIBIL website -

  • Log in to your CIBIL Dashboard, using your credentials

  • Click on ‘Credit Reports’ and then select ‘Dispute Centre’

  • Click on the ‘Dispute Item’ option

  • Fill in the form provided with the required information 

  • 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 at the same time if required. Keep in mind that the CIBIL dispute resolution process can take up to 30 days.

2. Offline Medium

Apart from the CIBIL online dispute form, you can choose to file a grievance through offline means as well. This includes writing to the credit bureau at their postal address. The postal address of TransUnion CIBIL is:


TransUnion CIBIL Limited,


Tower 2A, 19th Floor,

One World Center,

Senapati Bapat Marg,

Elphinstone Road,

Mumbai – 400 013

Once you submit the dispute form, the credit bureau begins the dispute resolution process by contacting the Credit Institution (CI) with details about the disagreement.

CIBIL Dispute Resolution Process

After you submit the CIBIL dispute form, here is what will happen:

  • Contested fields will be labelled as 'Under Dispute’

  • Depending on your dispute type, CIBIL discusses the issues with lenders 

  • The lender may either accept or reject the disagreement

  • If rejected, you receive an SMS requesting you to contact the CI

  • If accepted, changes are implemented, and the ‘Under Dispute’ sign will be removed

  • It takes up to 30 days to complete the whole CIBIL dispute resolution process


Once the dispute is addressed, you receive an SMS on your registered mobile number, informing you of the changes


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

FAQs on CIBIL Dispute

How long does it take for the CIBIL dispute resolution process to be completed?

It takes up to 30 days to get the complaint resolved.

What are the different situations where you can raise a CIBIL dispute?

As a company or an individual, you can raise a dispute in the following situations:

Company Dispute

You can file a dispute if you discover an error in your organisation's name, ownership data, address, or banking information. In addition, you can raise a dispute even in instances of a duplicate record of an account in your report.

Individual Dispute

You can register a dispute if you detect inconsistency in your personal information, like your name, phone number, email address, or PAN number.

What is the control number in the CIBIL dispute form?

The enquiry control number (ECN) is a nine-digit number that is created once a CIR is generated. It helps CIBIL identify and access your credit records with ease.

Can I raise a CIBIL dispute for free?

Yes, initiating a dispute on the CIBIL website is free.

How can I check my CIBIL dispute status?

You can track the CIBIL dispute status by visiting your CIBIL Dashboard or calling the helpline at 022-61404300.

What if the result of the dispute is not satisfactory?

You can raise a new request along with the details of the previous dispute.

My CIBIL report still shows a loan account that I have already closed. Will it be a concern?

Yes. If your CIBIL report reflects a loan you have repaid, raise a dispute soon to resolve it.

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