CIBIL Report or Credit Information Report (CIR) contains complete details of one’s credit history across various lenders and products such as home loan, automobile loan, credit card, personal loan, overdraft facilities, etc. Among other things, the CIR contains the CIBIL Score, a three-digit numeric summary of one’s credit history.

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While the CIBIL score is calculated on the basis of your repayment details provided by lenders and credit card issuers to CIBIL, sometimes, one may come across errors in the CIR.

Mistakes may occur in credit report owing to reasons like a misprint, incorrect information provided by the financial institution to CIBIL, or mistakes pertaining to one’s basic details.

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In case, if you find any errors in your CIR, follow the below given steps to raise the issue with CIBIL. You can dispute multiple fields and information on your report in a single dispute by navigating each section of the report i.e. Personal, Contact, Employment, Account Details and Enquiry.

Following are the steps provided by CIBIL to raise a Dispute Request -

  1. Login to myCIBIL
  2. Go to Credit Reports Section
  3. Navigate to respective sub-section and click on ‘Raise a Dispute’
  4. Complete the online dispute form
  5. Select the relevant section which you want to dispute
  6. If you are disputing ownership, select dispute type or if disputing data inaccuracies, enter a value for the disputed field and then, submit

Alternatively, one can raise a ‘Dispute Request’ by writing at the following address –

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

Based on the type of dispute, CIBIL takes up the matter with the concerned bank or financial institution. One should note that the bank or financial institution accepts or rejects the dispute. If the dispute is accepted, corrections are made and “Under Dispute” is removed from Disputed field under relevant section(s).

Subject to the time taken by the bank or financial institution, the whole process will be completed within 30 days and the CIBIL doesn’t charge its customers for this service.