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Learn how to raise a CRIF (Centre for Research in International Finance) Highmark dispute, track its status, and resolve credit report errors effectively.
A CRIF Highmark dispute refers to a formal process initiated by consumers or companies to challenge inaccuracies or errors found in their credit reports issued by the global credit bureau. These inaccuracies might include incorrect personal information, wrongly reported loan statuses, or outdated financial data. Raising a dispute ensures that the credit report accurately reflects the true credit behaviour of the individual or business. An accurate credit report is crucial in India for securing loans, credit cards, and other financial services, as lenders heavily rely on CRIF Highmark's data for their credit decisions.
CRIF Highmark disputes are broadly divided into two categories, namely company or commercial disputes and individual disputes. Here is a closer look at both types:
These disputes arise when businesses or credit institutions notice discrepancies in commercial credit reports. Such errors may include misreported payment histories, incorrect account statuses, or identity mix-ups in a firm’s credit profile. Companies rely on these reports for creditworthiness assessment, making prompt correction essential.
Individual disputes pertain to consumers who identify errors in their personal credit reports. Issues may range from wrong personal details, accounts that don’t belong to the person, unrecognised loan listings, or accounts marked as overdue despite payments. Addressing such disputes is vital because these errors affect credit scores and eligibility for loans.
Raising a dispute with CRIF Highmark can be done through online and offline channels, making it convenient for all users. Here are both channels explained in further detail:
Log in to the official CRIF Highmark portal using your registered email ID and password
Click on the “My Report” section and then select the “Raise a Query” tab.
Choose the credit report where the dispute will be raised and click “Proceed.”
Select the specific account or data field that requires correction.
Submit your dispute with any supporting documents as evidence.
Disclaimer: The steps outlined for raising a CRIF Highmark dispute are provided for informational purposes. The dispute process may vary depending on the nature of the error and CRIF Highmark's investigation. Timeliness of the resolution may vary, which is why users are advised to provide accurate details and supporting documents to assist in the process.
In case you prefer offline methods, you can raise a dispute by sending a written letter to CRIF Highmark’s office in Pune. The letter must clearly specify the details you find inaccurate and provide documentary proof supporting your claim. The postal address is mentioned below:
Axis Centra, Survey No. 62/1/4, Baner, Pune – 411045. You may also contact CRIF Highmark customer service centers by phone for guidance on submitting disputes offline.
Once CRIF Highmark receives your dispute, they initiate a formal investigation. The process typically takes up to 30 days during which the disputed item is temporarily removed or marked in your credit report. CRIF Highmark contacts the lenders or data furnishers to verify the correctness of the disputed information. The furnishers must respond with validation or correction details.
Once the investigation concludes, CRIF Highmark updates your credit report accordingly and shares the resolution with you via email. If the dispute leads to correction, the updated report reflects accurate data. You also receive a free copy of the revised credit report to confirm the changes. CRIF Highmark ensures the entire grievance resolution process is transparent, timely, and consumer-friendly.
Disputes can be raised in multiple situations, such as:
Incorrect personal or company information on the credit report.
Loan or credit card accounts showing wrong payment status or outstanding balances.
Closed loans or accounts still reflecting as active or overdue.
Identity errors where another person’s account appears on your report.
Duplicate entries or accounts.
Fraudulent or unrecognised transactions.
Errors in account limits, dates, or loan amounts.
Disclaimer: The situations listed above are common scenarios where individuals and companies may raise a CRIF Highmark dispute. Each dispute may vary based on the specific details of the credit report and the nature of the error. It is recommended to review your credit report regularly and raise disputes promptly for any discrepancies found.
CRIF Highmark dispute resolution is a vital mechanism for ensuring the integrity and accuracy of credit reports in India. Both individuals and companies should actively monitor their credit reports and raise disputes promptly if they detect errors. The process is convenient through online portals or offline submission, backed by a transparent 30-day resolution framework. Keeping your credit report accurate helps maintain a healthy credit score, enabling smoother access to financial products.
The CRIF Highmark dispute resolution typically takes up to 30 days from the date of receiving your dispute for investigation and response.
The control number is the unique service request or ticket number generated after successfully raising a dispute. It helps you track your dispute status.
Yes, raising a dispute with CRIF Highmark is completely free of charge for both individuals and companies.
You can check your dispute status online by logging into the CRIF Highmark portal using your registered email. Use the service request number to track progress.
If you find the dispute resolution unsatisfactory, you can escalate the issue by contacting CRIF Highmark’s consumer grievance cell via email or phone for further assistance.
Yes, an incorrectly reported loan status can negatively affect your CRIF score and future loan approvals. You should raise a dispute to correct such information.
Yes, multiple disputes can be raised simultaneously for different errors found in the same credit report.
CRIF Highmark sends you an email with the resolution and a copy of the updated credit report once the dispute is resolved.
Commercial disputes can be raised by authorised company representatives via the CRIF Highmark business credit portal or by contacting customer service. You need to provide relevant documentation to support the claim.
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