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As a reputed credit information bureau, Experian strives to ensure the availability of accurate and updated information in its credit reports to the consumers. However, there could be situations where the information in the Experian credit report might not tally with the information at your hand, resulting in an erroneous credit score.

In case of such discrepancies, the Experian Dispute and Query resolution mechanism is at your service to rectify and resolve your credit score or credit report errors. You may contact the ECICI (Experian Credit Information Company of India Private Limited) Consumer Support for any of the following:

  • In case of a query regarding your credit report.

  • If you want to raise a dispute on your credit report information.

  • In the event of any general query related to the status of the credit information report.

What Information Can be Corrected?

The Experian credit company enables you to correct any erroneous information on your credit report as long as it is legitimate. The change is only made once Experian verifies the claim.

Let us assume that your recorded personal information is entered incorrectly, then you are required to submit support documents while filing your query. Once the information is assessed to be incorrect, it will be rectified in the system. Similarly, if there is an error with your credit report information, you may bring it to the notice of the company. They will verify the same with the bank and update it in your report.

Experian Dispute and Query Resolution Process

The following steps are involved in the Experian dispute and query resolution process as handled by the ECICI:

Via Call or Email

  • You may call or email ECICI and raise your query or dispute regarding your Experian credit report and the consumer support team shall address your concern depending on the nature of the query.

  • If you have called concerning any error in your Experian credit information report, you would be required to furnish your Experian Report Number (ERN) and explain the dispute in the report.

  • The ECICI shall provide you with a written acknowledgment within the next 24 hours of the complaint’s receipt, stating that your query has been noted and is under resolution.

  • Any such reported dispute shall be forwarded to the respective lender or member credit institutions by the ECICI within 7 days of the dispute’s receipt.

  • The discrepancy pointed out in the credit report shall be resolved within 30 working days pending responses from the lender/member credit institution and you shall be informed about the rectification, if any, by email/phone/post, whichever is applicable

Via Web

  • To initiate a rectification of credit information online, you may raise a query application through the ‘Consumer Services’ on the Experian website.

  • Click on ‘Raise a dispute on your Credit Report’ and you shall be directed to an application form.

  • Enter the Experian Report Number (ERN) and Unique Transaction Id (UTI). You can find the UTI on the email body sent by ‘Experian Credit View’.

  • Now click on ‘Submit’ and enter all the required information on the next page.

  • Ensure that you checkbox the option that pertains to your query or use the space given in the form to explain issues with your credit report.

  • Attach self-attested copies of your identity and address proofs and submit your application.

Modes of Contact with the ECICI

The ECICI may be contacted through any of the following modes:

  • Call at 022-66419000 between 9:30 am and 6:30 pm during weekdays (Monday to Friday).

  • Write an email at consumer.support@in.experian.com.

  • Visit the Experian website at www.experian.in and go to the ‘Consumer Services’ tab to proceed with the application process.

  • Mail to the Consumer and Customer Support team at 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

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