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If you face a problem in your Experian credit report, here is how you can file a dispute with Experian and get resolution.
Last updated on: March 05, 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 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:
You can raise a dispute online directly through the Experian website using the steps listed below.
Log in to the Experian Credit Profile and click on the Dispute option at the top of the screen. Then select Raise a Dispute. You can also simply click on the link below to get direct access to the dispute page.
Click Here.
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 UTI will be in the email body sent by Experian Credit View. However, if your ERN and UTI is older than 30 days, you have to get a new report to file a dispute with Experian.
Next, select the appropriate dispute type from among the categories like Account Details, Credit Enquiry, and Personal Details, from the drop-down menu.
For instance, for an error in Account details, select the same and fill in the correct details in the editable columns that appear. This step is the same for other dispute categories.
Click Submit.
A pop-up window appears with requested changes and an option to add bank details as per RBI Circular.
Make the necessary choice and after the final submission, an acknowledgment will be sent to your registered email ID.
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. |
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.
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
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 process may take up to 30 days from the date your complaint is received. If you are not satisfied with the redressal received, you can follow the additional step below.
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.
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.
Added |
A new information is added to your report |
Updated |
The disputed information was updated on your credit report |
Deleted |
The requested information was deleted from your report |
Processed |
The mentioned detail was either updated or deleted |
Remains |
The information initially reported to the credit bureau was deemed accurate. Thus, it was retained. |
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 depending on the nature of the dispute. For example, if you're correcting personal details, you may be asked to provide ID proof. For loan-related errors, you might need statements or bank confirmation. Providing relevant documents helps speed up the verification process.
You can raise a dispute with Experian India through one of the following ways with the Experian credit score customer care:
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.
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