Sometimes you may see errors in your CIBIL credit report. These errors can include spelling mistakes and incorrect credit-related details. To rectify these inaccuracies, you can raise a CIBIL dispute online for a quicker resolution. You can also file a complaint offline by writing to TransUnion CIBIL.
CIBIL dispute is a process of raising or filing a correction request online when you find any inaccuracy in your CIBIL report and want to rectify it. These inaccuracies may include incorrect bank data, transaction details, spelling issues, inaccurate email IDs, etc. You can start the process by filling up the CIBIL dispute form.
CIBIL dispute types depend on the entity you are registered as, a company or an individual. Here’s a look at CIBIL disputes under each category:
As a company, raise a dispute in CIBIL if there are errors in either of the following details.
Enterprise or Banking Information: If you find any mistake in your organisation’s name, ownership details, or address, you can raise a dispute. Additionally, the company’s incorrect banking details can also be rectified under this.
Account Duplication: If you notice that an account is recorded repeatedly in your report, fill out the form to raise a dispute with CIBIL.
As an individual, you can fill out a CIBIL consumer dispute form if you find the following inaccuracies in your credit report.
Personal Details: You may file a dispute if you find an inaccuracy in your personal details like name, contact number, email ID, PAN details, etc.
Duplicate Account: If your account surfaces on your credit report more than once, fill out the form to raise a CIBIL dispute online.
You can raise a CIBIL dispute online or offline. If you find any error in your credit report, raise a dispute through either of the following modes.
To file for a CIBIL dispute online, follow the steps given below:
Visit the official CIBIL website - https://www.cibil.com/
Log in to your CIBIL Dashboard, using your credentials
Click on ‘Credit Reports’ and then select ‘Dispute Centre’
Click on the ‘Dispute Item’ option
Fill in the form provided with the required information
Re-check the details and submit the form
You will receive CIBIL dispute status updates on your registered contact details. You can file multiple complaints at the same time if required. Keep in mind that the CIBIL dispute resolution process can take up to 30 days.
Apart from the CIBIL online dispute form, you can choose to file a grievance through offline means as well. This includes writing to the credit bureau at their postal address. The postal address of TransUnion CIBIL is:
TransUnion CIBIL Limited,
Tower 2A, 19th Floor,
One World Center,
Senapati Bapat Marg,
Mumbai – 400 013
Once you submit the dispute form, the credit bureau begins the dispute resolution process by contacting the Credit Institution (CI) with details about the disagreement.
After you submit the CIBIL dispute form, here is what will happen:
Contested fields will be labelled as 'Under Dispute’
Depending on your dispute type, CIBIL discusses the issues with lenders
The lender may either accept or reject the disagreement
If rejected, you receive an SMS requesting you to contact the CI
If accepted, changes are implemented, and the ‘Under Dispute’ sign will be removed
It takes up to 30 days to complete the whole CIBIL dispute resolution process
Once the dispute is addressed, you receive an SMS on your registered mobile number, informing you of the changes
You must raise a CIBIL dispute as soon as you come across any errors. To provide the best possible service, CIBIL offers a variety of ways to contact customer support. You can raise CIBIL disputes online or offline and get them resolved without any hassles.
It takes up to 30 days to get the complaint resolved.
As a company or an individual, you can raise a dispute in the following situations:
You can file a dispute if you discover an error in your organisation's name, ownership data, address, or banking information. In addition, you can raise a dispute even in instances of a duplicate record of an account in your report.
You can register a dispute if you detect inconsistency in your personal information, like your name, phone number, email address, or PAN number.
The enquiry control number (ECN) is a nine-digit number that is created once a CIR is generated. It helps CIBIL identify and access your credit records with ease.
Yes, initiating a dispute on the CIBIL website is free.
You can track the CIBIL dispute status by visiting your CIBIL Dashboard or calling the helpline at 022-61404300.
You can raise a new request along with the details of the previous dispute.
Yes. If your CIBIL report reflects a loan you have repaid, raise a dispute soon to resolve it.