Experian Credit Report Disputes and Resolution

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 know what information you can correct and how to do it.

If you notice incorrect information on your credit report, you can raise an Experian credit score dispute in India through any of the following channels:

Experian Customer Care Number Support

You can call Experian’s customer care helpline on 02268165681, available from 9:30 AM to 6:30 PM, Monday to Friday. 

A support representative will note your concern and guide you through the Experian dispute process.

Experian Dispute Email ID

You can send an email to consumer.support@in.experian.com explaining your concern. Make sure to mention your Experian Report Number for quicker resolution. 

The ERN is a unique number given on your credit report, used by Experian to identify and track your case. The consumer support team will assess and respond to your request via email.

Headquarter Address

If you prefer to send a written request, you can post your dispute to the following address:

• Consumer and Customer Support Team

Experian Credit Information Company of India Private Limited

Equinox Business Park, Tower No. 3, Floor No. 5, East Wing

LBS Marg, Kurla (West)

Mumbai – 500070

Raise a Dispute Online on Official Website

You can also raise a dispute online through the official Experian India website by following these steps:

1. Visit www.experian.in
   

2. Go to the ‘Consumer Services’ section
   

3. Click on ‘Learn More’ under Raise a Dispute on Your Credit Report
   

4. Enter your Experian Reference Number (ERN) and Unique Transaction ID (UTI)
   

   • If you don’t have these, click on ‘Click here’ to retrieve them
     

5. Click ‘Verify’
   

6. Fill in the details you want to dispute and click ‘Submit’
   

7. A pop-up window will show the updated information. Review it and click ‘Submit’ again

You’ll receive an email confirmation along with regular updates on your dispute status.

Certain errors in your credit report can affect your credit score and borrowing capacity. It is important to know which details are eligible for correction through Experian’s dispute process.

Here's what you can get corrected by raising a dispute:

• Wrong late payment entries
  

• Incorrect account balances
  

• Incorrect credit limits
  

• Open accounts shown as closed
  

• Errors in your name, PAN, or address
  

• Enquiries for loans or credit cards you didn’t apply for

Once you raise a dispute with Experian, the bureau contacts the respective bank or financial institution that provided the credit information. The correction process depends on the response received from that institution.

Scenario 1: Correction Confirmed

If the lender agrees that the reported information is incorrect, Experian makes the necessary correction in your credit report and notifies you by SMS or email. You will also receive the updated report for your reference.

Scenario 2: No Correction Required

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.

This entire process may take up to 30 days from the date your complaint is received.

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

It is advisable to wait for at least 45 days from the date of filing your dispute before proceeding with further escalation.

If there are changes made to your report after the dispute is resolved, review the updated report carefully. If you find any further errors, notify Experian immediately.

Experian may ask you to submit the following documents to resolve a dispute:

• Utility bills
  

• Bank statements
  

• Marriage certificate
  

• Death certificate
  

• Police report stating the details of a new account opened fraudulently
  

• Letters from creditors indicating corrections

The documents listed are some common requirements. Experian may ask you to provide other documents depending on the nature of your dispute. Ensure to keep your documents 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 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/complaint has been noted. It further mentions that steps are being taken to resolve the issue. 
  

• Depending on the nature of the dispute, these are sent to the liable credit institution. This is usually done within 7 days.
  

• Such discrepancies are usually resolved within 30 working days
  

• Once the change is made in your credit report, you are informed via phone, e-mail, or post

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If your dispute is not resolved satisfactorily, approach the grievance redressal system. The contact details for all the 3-levels involved are as follows:

If your complaint is not resolved within 30 days by consumer support, consider level 2. Approach the nodal officer and send in the details of your issue and the resolution provided at level 1.

Similarly, if you do not receive a response from the nodal officer within 7 days, consider level 3. Contact the principal nodal officer and raise your complaint. If you send an e-mail to a level 2 or 3 officer without reaching out to consumer support, you won’t receive a direct response. Instead, consumer support will respond to your complaint/query.

When you challenge Experian credit report, the outcome will be signified by an Experian dispute status. Here are the different statuses and what they mean:

Types of credit Score	Equifax Credit Score	TransUnion CIBIL
CreditVision Score	CRIF Highmark score	What is a credit bureau
credit scoring models	VantageScore	Experian Credit Score
CIBIL TransUnion Score 2.0	FICO Score