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
- • Credit Bureau Dispute Desk
- • Lender Customer Support
- • Grievance Officer / Nodal Officer
- • 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