Dispute Resolution
How to Raise & Resolve CIBIL Dispute
Identify errors on your CIBIL credit report and follow our step-by-step online grievance procedure to rectify negative accounts and restore your credit rating.
Identify Errors
Learn about common credit report errors like misreported payments, active closed accounts, and mixed profiles.
Online Submission
Raise official disputes directly on CIBIL's online portal for free, with zero offline paperwork required.
30-Day SLA
CIBIL verifies reported discrepancies with the corresponding lending institution and resolves them within 30 days.
Process Steps
How to File a Dispute with CIBIL
If you identify errors on your CIBIL credit report, follow this official step-by-step grievance procedure to submit corrections online:
- Log in to CIBIL: Go to the official TransUnion CIBIL website and log in to your account. Access your dashboard.
- Access Dispute Center: Navigate to the 'Credit Report' section and click on the 'Dispute Center' option.
- Initiate Dispute: Click on 'Raise a Dispute' and select the credit report sections that contain errors.
- Modify Details: Select the specific fields (such as incorrect spellings, active status on closed accounts, duplicate loans) and input the corrected value.
- Submit Grievance: Review and click submit. CIBIL will contact your bank to verify the records.
- Monitor Resolution: The bank has 30 days to confirm the error. Once verified, CIBIL corrects your report, boosting your score.
30 Days SLA
Common Report Errors
Always verify your report for these frequent discrepancies:
- ✔ Closed accounts shown active/due
- ✔ Duplicate loan account entries
- ✔ Incorrect personal details/PAN
- ✔ Wrong inquiry details from other banks
FAQs
How To Raise And Resolve CIBIL Dispute FAQs
Find immediate answers regarding CIBIL dispute handling guidelines.
How much fee does CIBIL charge for raising a dispute online?
Raising a dispute directly on the official TransUnion CIBIL online portal is completely free of charge. CIBIL does not collect any fee for verifying and correcting errors.
How long does CIBIL take to resolve my dispute?
Under RBI guidelines, credit bureaus and reporting banks are required to verify and resolve disputes within 30 days of submission. CIBIL will notify you via SMS/Email once the changes are made.
Can I raise a dispute on my CIBIL score number itself?
No, you cannot dispute the score number itself. You can only dispute the incorrect database details (like late payments, outstanding balances, or loan ownership) that calculate it. Once these underlying errors are corrected by the bank, your CIBIL score will automatically recalculate and improve.
