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When you go through the CIBIL Credit Information Report (CIR), you may find some errors. Such errors can be in your personal information such as name, contact information, date of birth, bank account information, or government-issued identification number. Alternatively, errors could be in other bank-related information such as outstanding balance, date of loan account opening, or presence of an invalid credit transaction.

What should you do to correct such errors on your report?

1. Raising a Dispute Online

You can navigate to various sections of the report and mark errors in multiple fields within a single dispute. The online process is recommended for those who are seeking a quicker resolution. Follow the procedure given below to raise a dispute online:

Step 1: Log in to myCIBIL with your credentials. If you have accessed the report via a vendor, you must register yourself with CIBIL and log in to your account.

CIBIL Dispute 1

Step 2: Under ‘Credit Reports’ section, navigate to ‘Dispute Center’ and click on the ‘Dispute an Item’ option.

Step 3: You will be redirected to the ‘Online Dispute Form’. Fill up the details in the form.

CIBIL Dispute 2

Step 4: Under ‘Identification #’, select the identification document that needs to be corrected and correct the corresponding number at the bottom of the form.

Step 5: Click on the ‘+’ symbol to correct information related to multiple documents.

Step 6: After disputing all the mistakes, you can click on ‘Submit’.

2. Raising a Dispute Offline

You can write about your dispute and send it to the address:

TransUnion CIBIL Limited,
One Indiabulls Centre,
Tower 2A, 19th Floor,
Senapati Bapat Marg,
Elphinstone Road,
Mumbai – 400 013

3. Dispute Resolution Process

Step 1: Once you submit the Online Dispute Form, the fields disputed will be labelled ‘Under Dispute’.

Step 2: CIBIL will take this up for discussion with lenders based on the type of dispute.

Step 3: The lender may or may not accept the dispute.

Step 4: If the lender accepts the dispute, changes are made accordingly.

Step 5: The label ‘Under Dispute’ will be removed from the disputed fields.

Step 6: The total turnaround time of the process must be within 30 days.

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