Problem detail
Wrong CIBIL Entry
An incorrect record appears in the credit report, such as a wrong loan type, payment history, or account status under the consumer's name.
Credit Report
Required documents
- • Recent credit report
- • PAN card copy
- • Aadhaar copy
- • Loan account statement or NOC
- • Correspondence with lender highlighting the error
Contact order
- • Credit Bureau Dispute Desk
- • Lender Customer Support
- • Grievance Officer / Nodal Officer
- • Regulator (RBI/CORES/OMBUDSMAN)
Timeline
- • Bureau acknowledgment: 1–3 days
- • Investigation and response: 7–14 days
- • Correction or rejection notice: 30–45 days
Escalation path
- • Follow up with bureau after 7 days if acknowledgement is pending
- • Escalate to lender Grievance Officer after 10 days if the bureau requires lender confirmation
- • Lodge a complaint with the banking/financial ombudsman if no action in 45 days
- • Use the Bureau’s escalation mechanism if the issue is still unresolved