FA

Financial Awareness

Contact discovery for dispute resolution

Problem detail

Duplicate Loan Account

The credit report shows the same loan twice or a lender account is duplicated, inflating the borrower’s exposure.

Credit Report

Required documents

  • • Credit report showing duplicate entries
  • • Loan account statements from relevant periods
  • • Customer ID / account numbers for both entries
  • • Communication from lender explaining account transfer

Contact order

  1. • Credit Bureau Dispute Desk
  2. • Lender Customer Support
  3. • Grievance Officer / Nodal Officer
  4. • Regulator

Timeline

  • • Bureau acknowledgement: 1–3 days
  • • Investigation: 7–14 days
  • • Correction: 30–45 days

Escalation path

  • • Send a dispute to the bureau with both duplicate references
  • • Ask lender to confirm the duplicate in writing and forward correct data to the bureau
  • • Escalate to the lender’s Nodal Officer if the bureau receives no lender response
  • • File a complaint with RBI/ombudsman if unresolved after 45 days