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Your CIBIL report is a detailed record of all lending products that recognised lenders have sanctioned in your name. This report determines the CIBIL score, indicating your creditworthiness. Identifying and correcting errors in your report is crucial. Neglecting this could lower your CIBIL score and impact future loan or credit card approvals. This article outlines the common errors you can find in your CIBIL report and provides a step-by-step guide for correcting them.

What are the Types of CIBIL Errors

The kind of errors you can find in your CIBIL report are:

  • Incorrect Personal Information: 

Sometimes, your CIBIL report may include an incorrectly spelt name or PAN information. It is also possible that it does not reflect your accurate permanent address, age, or date of birth.

  • Incorrect Overdue Amount/Credit Utilisation:

At times, the amount that you owe may be lower than what your CIBIL report reflects. That may be the case because the lender has not shared the updated information with CIBIL. This must be looked into promptly as well.

  • Duplication of Accounts: 

Sometimes, CIBIL prints the same loan/credit account more than once, which increases the number of your active accounts. A higher number of active accounts can reduce your CIBIL score and negatively impact your credit eligibility. Hence, this issue must be resolved as soon as possible.

  • Unrecognisable Account: 

It is possible that CIBIL may make a mistake and add a loan account that does not belong to you, or you may have become a victim of identity theft. In case of identity theft, any credit default caused by the perpetrator will significantly reduce your CIBIL score and creditworthiness. Hence, you must promptly raise a dispute upon spotting such errors.

  • Incorrect Reporting of Active Accounts:

Sometimes, a loan that you prepaid/foreclosed months ago may still show as active in your CIBIL report. This could happen if the concerned lender has not updated CIBIL about the same. Remember that the lower the number of your active loan accounts, the higher your CIBIL score. Hence, it is always important to look for such inconsistencies and promptly report the same.

How to Rectify CIBIL Errors

The steps you must follow to correct the mistakes in your CIBIL report are:

  • To initiate the CIBIL correction online process, download your CIBIL report. Note that you can only do this if you have a subscription plan.

  • Spot the 9-digit-long control number and then identify the problem area of your CIBIL report.

  • Fill out an official online dispute form that you will find on the CIBIL website. Here, you must mention your personal details and the details of the error in addition to the control number. Post that, click on ‘Submit’ to proceed.

  • Wait for CIBIL to get back to you with an update.


Note that it could take up to 30 days for your CIBIL report correction to be made. Once the error is fixed, the updated CIBIL report will be mailed to you. Additionally, you must remember that the errors will only be rectified if the lending institution authenticates your dispute. To build your case, you can always submit the necessary proof while filling out the application form to support your claim.

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. Contact your bank or financial institution for any necessary corrections.

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 detail.

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.

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