Here’s everything you need to know about the different types of CIBIL errors and how to fix them to protect your creditworthiness.
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It’s frustrating to face loan or credit card rejection when you’ve managed your finances responsibly. Often, the culprit is an error in your CIBIL report — and if ignored, it can damage your credit score and future borrowing chances. The good news? You can fix it.
Credit report errors can lower your score and hurt loan eligibility.
Mistakes like incorrect personal info or unpaid dues marked falsely are among the most common credit report errors.
A corrected report helps improve your creditworthiness and loan terms.
Knowing how to correct CIBIL report issues early can save you from future hassles.
Types of credit score errors that can appear in your CIBIL report
Step-by-step process on how to correct errors on your credit report
How to track updates and ensure the errors are resolved
Don’t let a reporting error hold you back — here’s how to take charge and set things right.
Your CIBIL report plays a vital role in your financial journey — but even minor credit rating errors can pull down your score. Thankfully, most of these can be fixed once you understand how to rectify CIBIL errors properly. Here are the most common CIBIL report errors and how to resolve them:
Incorrect Personal Details
Your CIBIL report may display wrong personal details such as a misspelled name, incorrect PAN, wrong date of birth, or an outdated address.
To fix this, visit the CIBIL Dispute Resolution page, enter the correct details, and provide the 9-digit control number from your report.
Incorrect Outstanding Amount or Credit Utilisation
Sometimes, your report may show a higher outstanding amount than you actually owe, often due to delayed updates from the lender.
Cross-verify with your bank or card statements. If the outstanding balance shown is incorrect, raise a dispute through CIBIL’s portal — this is key to protecting your CIBIL score.
Duplicate Loan or Credit Card Accounts
A loan or credit card account may appear more than once, which increases your total credit exposure and negatively affects your score.
Use the CIBIL portal to report and remove duplicate records as part of your efforts on how to clear CIBIL issues.
Unrecognisable or Fraudulent Accounts
If you find a loan or credit account that you never applied for, it could be due to a data entry mistake or identity theft.
Verify with your lender and raise a dispute. This is a common scenario where users search for how to fix errors on your credit report quickly.
Closed Accounts Still Showing as Active
Loans or credit cards you’ve already closed or prepaid may still appear as active in your report.
Raise a dispute on the CIBIL website and attach proof such as a No Objection Certificate (NOC) or account closure letter. Also, ask your lender to update the status with CIBIL.
Delayed Updates from Lenders
Sometimes lenders fail to send updated payment or closure data to CIBIL, resulting in outdated information in your report.
Follow up with your lender and request them to share the latest data with CIBIL. Meanwhile, you can also raise a dispute to initiate the correction process.
Incorrect Days Past Due (DPD)
Your CIBIL report may mistakenly show delayed or missed payments, even if you paid on time.
Cross-check with your bank statements and upload payment proof to CIBIL to rectify this kind of credit report error.
If you’re wondering how to correct CIBIL report, follow these steps:
Step 1: Download Your CIBIL Report
Visit the Bajaj Markets CIBIL score page- https://www.bajajfinservmarkets.in/cibil-score
Click on ‘Check Score Now’
You’ll be directed to a page where you can begin the credit score check process
Enter your details like name, contact information, date of birth etc.
An OTP will be sent to your registered mobile number. Enter it to verify your identity
Once your details are verified, your CIBIL score and report summary will be displayed on the screen.
You can download your CIBIL report for free
Step 2: Locate the 9-Digit Control Number
This number is found on the top of the first page of your report.
You’ll need it while raising a dispute to correct credit report errors.
Step 3: Identify the Errors in Your Report
Carefully review your report for inaccuracies — such as incorrect personal details, duplicate accounts, wrong outstanding balances, or unrecognised credit facilities.
Make a note of the exact section and type of error you want to dispute.
Step 4: Raise a Dispute on the CIBIL Portal
Go to the CIBIL Dispute Resolution page.
Fill in your personal info, mention the error, and upload any proof.
Click ‘Submit’ to raise your dispute — this is how to fix errors on a credit report officially.
Step 5: Wait for Verification and Resolution
CIBIL will forward your dispute to the concerned lender for verification.
The lender must confirm the correction for CIBIL to update your report.
The entire process may take up to 30 days.
Step 6: Receive the Updated CIBIL Report
Once the issue is resolved, you’ll receive an email notification from CIBIL with your updated report.
If the lender does not verify your claim, the error will remain — you may follow up directly with the lender if required.
Yes, rectifying errors in your CIBIL report can positively impact your credit score — especially if the issue involved incorrect overdue amounts, duplicate accounts, or closed loans marked as active.
Resolving errors can restore lost points caused by incorrect reporting.
It improves your chances of loan and credit card approvals.
Accurate records help ensure you’re assessed fairly by lenders.
The impact on your score depends on the type and severity of the error corrected.
While CIBIL provides an online dispute process, fixing report errors isn't always straightforward.
Delayed responses from lenders can slow down corrections.
Lender verification is mandatory — CIBIL cannot act independently.
Sometimes errors reappear due to repeated reporting mistakes.
Lack of clear communication or documentation can weaken your dispute case.
Despite these hurdles, persistence and timely follow-ups can lead to successful resolution.
Your credit journey starts with understanding your CIBIL report and actively managing your credit behaviour. Regularly checking your report, identifying errors, and maintaining healthy repayment habits can help you build a strong credit profile.
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FAQs on CIBIL Errors
What to do if recent payments are missing in my report?
Your bank or financial institution usually reports recent payments in your loan account or credit card to TransUnion CIBIL within 30-45 days. Contact your lender or card issuer if the changes still do not reflect in your report.
Why is a closed account still showing on my CIBIL report?
Closed accounts persist in your CIBIL report, irrespective of how old they are. Reach out to your lender to ensure the account status is updated as 'Closed' in CIBIL’s records.
How to address outdated information in my report?
Banks report this data based on your loan or credit card application. Update your information with your banks or credit institutions; once they report it to CIBIL, your report will reflect the latest details.
How to update my identification details in my CIBIL report?
According to the Credit Information Companies Act (2005), CIBIL can't alter information without confirmation from the relevant bank or financial institution. Reach out to your bank or financial institution to update any identification details.
What if I find incorrect details in my report?
If you identify discrepancies in your credit report, raise a dispute with CIBIL for necessary updates in their records. The information is based on data collected by your banks or financial institutions at the time of a new loan or credit card application.
How can I correct my CIBIL Report immediately?
You can’t correct it immediately, but you can start the process right away by raising a dispute on the CIBIL Dispute Resolution page. It usually takes up to 30 days for corrections after lender verification.
Can I repair my credit myself?
Yes, you can. By regularly checking your CIBIL report, correcting errors, paying EMIs and credit card bills on time, and maintaining low credit utilisation, you can gradually improve your credit score without any third-party help.
Why is "CIBIL Could not Verify Your Identity" error showing?
This error usually appears if the personal details you entered (like PAN, name, or DOB) don’t match CIBIL’s records. Double-check your inputs or try using another valid ID. If the issue persists, contact CIBIL support.
How to change date of birth in CIBIL report?
Raise a dispute on the CIBIL website and select “Personal Details” as the dispute type. Submit valid ID proof (like PAN, Aadhaar, or passport) showing your correct date of birth.
How to change gender in CIBIL report?
You’ll need to raise a dispute via CIBIL’s portal and submit government-issued ID proof that correctly mentions your gender (like Aadhaar or passport) for verification.
How to remove CIBIL enquiry fee?
CIBIL enquiry fees (for accessing reports more than once a year) are non-refundable. You can avoid charges by downloading your free credit report once a year from the official CIBIL website.
How to change mobile number in CIBIL report?
CIBIL does not update mobile numbers directly. Your contact details are updated based on what your lender submits. Contact your bank or lender, update your mobile number with them, and it will reflect in your CIBIL report after their next data submission.
