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If you face a problem in your credit report, Experian Customer Care can help you file a dispute with Experian and get it resolved
Last updated on: Jun 12, 2026
Experian Credit Information Company of India Private Limited (ECICIL) is one of the four credit bureaus in India. It prepares your credit report based on your credit history, which lenders and credit card providers use to assess your loan or credit card eligibility.
Any errors in this report can affect your chances of getting a loan approved. These mistakes or disputes may include anything from incorrect personal details to inaccurate loan repayment records. That’s why it’s important to understand how to raise a dispute with Experian customer care and get it resolved.
An adverse Experian credit report can deter your chances of getting suitable debt. Therefore, if you face any inaccuracy in your credit report, you can raise an Experian credit score dispute in India through any of the following channels:
How to Raise an Experian Dispute Online (Official Portal)
You can raise a dispute online directly through the Experian website using the steps listed below.
Log in to the Experian Credit Profile on https://www.experian.in/consumer/consumer-services/ and click on the dispute option where available on the screen. Then select the option to raise a dispute. You can also click on the link provided on the Experian website to get direct access to the dispute page.
Enter your Experian Reference Number (ERN) and Unique Transaction ID (UTI). The ERN is given at the top right corner of your credit report, while the UTI is mentioned in the email sent by Experian Credit View. However, if your ERN and UTI are older than 30 days, you will need to generate a new credit report to file a dispute with Experian.
Next, select the appropriate dispute type from categories such as Account Details, Credit Enquiry, or Personal Details from the drop-down menu.
For example, if there is an error in account details, select the relevant option and provide the correct information in the editable fields that appear. The same process applies to other dispute categories.
Click Submit.
A pop-up window will display the requested changes along with an option to add bank details as per the RBI circular. Make the necessary choice, and after final submission, an acknowledgement will be sent to your registered email ID.
Experian Customer Care Number Support
You can also contact the Experian customer care to register your dispute and get a redressal. The support executive will make a note of the concern and guide you through the process of raising a dispute and seeking redressal. The table below details the Experian customer service contact particulars.
| Parameter | Details |
|---|---|
Contact Number |
2268165681 |
Days Available |
Monday to Saturday |
Timing |
9:30 a.m. to 6:30 p.m. |
consumer.support@in.experian.com |
|
Portal |
https://www.experian.in/consumer/consumer-services/ |
Experian Dispute Redressal Email ID
A dispute can be raised for inaccuracies in the Experian credit report by sending a mail to the Experian mail ID, which is consumer.support@in.experian.com. Ensure you clearly detail the issue faced by highlighting the particular inaccuracy and also the correct information. Ideally, you should mention your ERN and UTI number because these numbers are unique to each customer. It will help track and identify your case. Once the mail is sent, the Experian customer service team will contact you shortly.
Headquarter Address
If you wish to send a written request, or visit them personally given below is their walk-in address.
Experian Address: Experian Credit Information Company of India Private Limited 5th Floor, East Wing, Tower 3, Equinox Business Park, LBS Marg, Kurla (West), Mumbai - 400 070, India.
However, note that sending physical letters might be inconvenient because it can be time-consuming and have chances of getting lost. In case you find sending a letter most suitable, you can contact their customer service number and get an update on your Experian dispute status, to ensure that the letter has reached and is being addressed.
Broadly, you can correct personal details, fix account errors, etc., by raising a dispute with Experian. Some of these errors in your credit report can affect your credit score and borrowing capacity, making it crucial to address. Therefore, it is important to know in detail which errors are eligible for correction.
Listed below are issues that can get corrected by raising a dispute with Experian.
Wrong late payment entries
Incorrect credit limits
Errors in your name, PAN, or address
Incorrect account balances
Open accounts shown as closed
Enquiries for loans or credit cards you didn’t apply
Duplicate loan entry
However, note Experian usually asks for up to 30 days for any change like foreclosures, payments, closures, etc., to reflect in the credit report. Therefore, if you have made any credit repayments in less than 30 days, it might be updated after some time.
After you raise a dispute with Experian, the credit report provider undertakes the following steps to address the concern and provide an effective resolution.
Data providers are contacted
After you file a dispute, Experian contacts the data providers who help verify information to prepare the credit report. Data providers refer to the concerned banks and other financial institutions which furnish Experian with your credit-related information.
In case the correction is confirmed
If the lender agrees that the reported information is incorrect, Experian makes the necessary correction in your credit report and notifies you by an SMS or an email. You will also receive the updated report for your reference.
In case the correction is not confirmed
If the lender confirms that the existing information is accurate and no changes are needed, Experian will close the dispute and inform you of the same through an SMS or an email.
This entire verification process generally takes up to 30 days from the date your dispute is received. If the lender does not respond within this period, the dispute may remain unresolved and you may need to escalate the matter through Experian’s grievance redressal hierarchy.
If You Are Not Satisfied with the Response
If you’re not satisfied with the resolution, you can escalate your concern by writing to Experian at the following levels, in order:
Level 1: nodal.officer.india@experian.com
Level 2: smgr.operations@experian.com
Level 3: head.operations.india@experian.com
However, it is advisable to wait for at least 45 days from the date of filing your dispute before proceeding with further escalation.If you find any further errors in the report, notify Experian immediately.
During the process of registering a dispute with Experian and seeking redressal, the credit report provider can ask for some documents, to substantiate claims. The following documents might be required.
Utility bills
Bank statements
Death certificate
Letters from creditors indicating corrections
Marriage certificate
Police report stating the details of a new account opened fraudulently
The documents listed are some common requirements. Experian may ask you to provide other documents depending on the nature of your dispute. Ensure that all necessary documents are kept ready for a swift resolution process.
Here are some essential things to keep in mind when filing a dispute with Experian:
Always provide the 15-digit ERN number assigned to your Experian Credit Report. This will help the credit bureau find and evaluate the required data faster.
For all disputes raised, the ECICIL provides a written acknowledgement within 24 hours. This acknowledgement states that the query or complaint has been noted. It further mentions that steps are being taken to resolve the issue.
Experian aims to provide resolution to disputes within 30 working days.
Once the change is made in your credit report, you are informed via phone, email, or post.
It can take up to 3 days, from the date of receipt of the dispute, for Experian to initiate action.
You can also track your Experian dispute status online. To check the status, log in to the Experian consumer portal, go to My Disputes, and select View Status. This section shows whether your dispute has been corrected, retained, or is awaiting a lender response.
The table below illustrates the level of grievance redressal. If you are unhappy with the redressal offered at one level, you can escalate to the next after a suggested duration.
| Level | Contact | Timeframe |
|---|---|---|
Level 1 |
Contact the Experian dispute contact number at 022 – 68165681 from Monday to Saturday between 9:30 a.m. and 6:30 p.m. You can also email at Consumer.Support@in.experian.com |
NA |
Level 2 |
Contact the Nodal Officer at email Nodal.officer@in.experian.com |
If there is no redressal from Level 1 within 30 days |
Level 3 |
Contact the Principal Officer through email at principalnodalofficer.india@in.experian.com |
If the nodal officer does not respond within 2 days |
Once you file a dispute with Experian, you can track the Experian dispute redressal status to get an update on your redressal. The table highlights different status updates and what each of them mean.
Error confirmed: corrected |
The lender verifies the mistake, and Experian updates your credit report accordingly. |
Error not confirmed: remains |
If the lender states that the information is accurate, Experian will retain the existing entry without making changes. |
Lender doesn’t respond: escalation path |
If the lender does not reply within the required timeframe, you may escalate the matter using Experian’s grievance redressal levels (Level 1 → Level 2 → Level 3). |
Disclaimer: The information mentioned here is subject to change. Thus, due diligence before any step is necessary.
Reviewer
Yes. You may need to submit supporting documents such as your PAN, recent loan account statements, corrected personal details, or any correspondence received from the lender. These documents help Experian verify your claim quickly and ensure that the disputed information is accurately corrected in your credit report.
You can raise a dispute through multiple Experian Customer Care channels. Call +91 22 6818 6700, email consumer.support@in.experian.com, or use the online dispute section on the Experian India consumer portal. Each option allows you to submit details, track your case, and receive updates on the resolution.
No, changes are not visible immediately. Once your dispute is resolved and any corrections are made, Experian will send you the updated report by email or SMS. This process can take up to 30 days from the date of your complaint.
A dispute may be closed without correction if the concerned bank or lender confirms that the reported information is accurate. In such cases, Experian cannot make changes on its own. You will be informed of the resolution by email or SMS.
No, raising a dispute or query with Experian is completely free of cost. You are not required to pay any fees to correct errors or raise questions about your credit report.
You can check your dispute status by logging into your Experian Credit Profile. After signing in, go to My Disputes and then select View Status to see the latest updates. The dashboard will display whether your dispute is added, updated, deleted, processed, or remains unchanged based on lender confirmation.
Yes. You can raise an Experian dispute online through the Experian India consumer portal. Visit https://www.experian.in/consumer/consumer-services/ and access the dispute section to submit your ERN, UTI, and issue details. This is the fastest and most convenient method, allowing you to track updates and receive alerts digitally.
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