CIBIL compiles monthly credit data from different banks and Non-Banking Financial Companies (NBFCs) to create your credit report. However, errors or delays can occur if banks or NBFCs fail to update your loan information or provide incorrect information; in this case, a correction in your CIBIL report is required. CIBIL disputes, in fact, are common, so much so that credit information companies received 22,94,855 complaints in FY2025.

Any error in your CIBIL report not only reduces your credit score but also harms your chances of getting a personal loan or any other financing. In this blog, we will understand what a CIBIL dispute is and how to fix credit reports using the CIBIL grievance platform.

Why Errors in Your CIBIL Report Matter

Errors in your credit report matter because they directly impact your financial credibility. Here are all the reasons why errors in the CIBIL report matter:

• Reduces CIBIL score: Even if you are managing your credit responsibly, any inaccurate or wrong entries can lower your CIBIL score.
• Affects financial credibility: Lenders (Banks and NBFCs) review your credit report to calculate your eligibility for credit cards and loans. A poor credit score hampers your financial credibility.
• Loan rejections: Banks and NBFCs use your CIBIL score to approve or reject loan applications. Any false “default” tag can lead to immediate rejection.
• Higher interest rates: Even if approved, you may still face higher interest rates due to a lowered credit score.
• Delayed processing: Errors also trigger an additional verification step, which slows down the loan approval process.
• Long-term reputation: Persistent inaccuracies affect not only credit access but also financial trustworthiness.

Common Errors in CIBIL Credit Report

Here are the most common errors that you can observe in your credit reports:

• Closed accounts that are reported as open: This means that loans or cards that you have repaid are still reported as active.
• Outdated account information: Only outdated account information is available in your credit report. New payments or closures are not updated.
• Unknown accounts: Personal, home or business loans that you haven’t applied for are shown in your credit report.
• Incorrect delinquency status: There are accounts that are wrongfully marked as overdue.
• Duplicate debts: The loan or card is counted twice, which doubles your debts.
• Incorrect credit limits: Incorrect limits will influence your credit utilisation ratio, which will affect your score.
• Wrong outstanding balances: Displays a higher amount of money you owe than what you really owe.
• Mixed-up data: Mixed-up data may happen due to similar names or contact information, and this information may be displayed in your report.
• Identity fraud: Fraudsters can use your information to create fraudulent accounts and harm your credit report.

Examples of Common Errors in CIBIL Report

Type of Error	Example	Impact
Personal information errors	Wrong spelling of your name, incorrect address, outdated PAN or contact number	Confusion with another borrower
Account ownership errors	Loans or credit cards not belonging to you	Serious identity or reporting issue
Payment history inaccuracies	Already paid Equated Monthly Instalments (EMIs) marked as missed	Lowers the CIBIL score
Incorrect loan balance	Outstanding balance not updated after repayment	Reduces creditworthiness
Duplicate accounts	Same loan showing twice	Incorrect utilisation ratio
Closed accounts shown as open	Paid-off credit cards or loans are still listed as active	Reduces available credit
Incorrect DPD (Days Past Due)	Wrong number of delayed days	Lowers score

How to File a CIBIL Dispute Online (CIBIL Correction Process)

A CIBIL dispute refers to a formal complaint filed when you find inaccuracies or errors in your CIBIL credit report. Rectifying and addressing these common errors helps you protect your credit score. Here is how you can raise a CIBIL dispute online using the CIBIL grievance portal:

Step 1: Visit the Official CIBIL Dispute Portal

Go to the My CIBIL or CIBIL Dispute Consumer Grievance to fix the credit report.

• In case you already have a CIBIL account, log in to your dashboard.
• In case you got your report through a third party, you should create your CIBIL account by clicking on Register Now.

Step 2: Get your CIBIL report

Click on the ‘CIBIL Report’ in the left navigation bar or ‘View Your CIBIL Report’ in the right navigation bar.

Step 3: Proofread your report

Check all parts of the report to see whether there is any false or old information.

Step 4: Click on Raise a Dispute

Scroll to the bottom of the page and click on “Raise a Dispute”.

Step 5: Open CIBIL Dispute Centre

Here you can get to know more about the types and processes of disputes. After understanding everything there is to know about the CIBIL disputes, click on the ‘Access Dispute Form’.

Step 6: Choose the area to challenge

Select the area (such as Account Information, Personal Details, etc.) where the error or mistake exists.

Step 7: Choose dispute type and click “Find Solution”

Next, choose the type of dispute and press Find Solution- See the recommendations.

Step 8: Continue to raise a dispute

In case it is not addressed through the suggestions, then click ‘Raise a Dispute’.

Step 9: Complete the dispute form

Fill in the right information and provide supporting information where necessary.

Step 10: Include additional disputes as needed

You can add several issues prior to submission.

Step 11: Submit your CIBIL dispute

Click ‘Submit Dispute’ when all the details are checked. CIBIL investigates and submits your complaint to the relevant bank or financial institution. After verification, the changes are updated, and you will get an email confirmation.

CIBIL Dispute Resolution: Timeline After Submitting a Dispute

Once you submit the dispute on the portal, CIBIL waits for confirmation from the lender. Here is the usual timeline you can refer to:

Stage	Duration
Dispute submission	The dispute is submitted immediately
Verification with the lender	After submission, CIBIL usually takes two working days for further verification
Response from lender	Usually 7–14 working days
CIBIL correction	Within 30 days (as per RBI guidelines)

What If the CIBIL Dispute Remains Unresolved?

Sometimes, lenders may reject or partially accept your correction request, especially if they believe their data is accurate and complete. If this happens:

• Request re-verification: You can raise the dispute again with additional documentation.
• Contact the lender directly: Email the bank or NBFC’s grievance redressal officer with your dispute reference number.
• Escalate to RBI or CIC Ombudsman: As a last resort, you can approach the Credit Information Companies (Regulation) Act Ombudsman under the RBI grievance mechanism.

Tips for How to Avoid Future Errors in Your CIBIL Report

Here are the tips you should follow to avoid any mistakes in future:

• Check your report regularly: Regularly reviewing your report will help you identify and spot errors early.
• Monitor loan closures: Collect an NOC without fail after loan closure and check your report after 45–60 days to ensure it reflects.
• Update KYC details: Ensure your PAN, Aadhaar, and address are consistent across all banks.
• Avoid co-applicant confusion: If you’re a guarantor or joint account holder, monitor shared loans too.
• Dispute immediately: Don’t delay raising any issue, because older disputes are more complicated to verify.

The key benefit of understanding how to dispute errors in your CIBIL report is that you can protect your creditworthiness. The process is transparent, online, and completely free of charge. However, if you ignore discrepancies for too long, they can impact your loan eligibility and financial opportunities. These errors can reduce your chances of successful approval when you apply for a loan or any other financing.

Frequently Asked Questions (FAQs)

1. How long will it take to correct an error in my CIBIL report?

The CIBIL takes around 30 days to correct an error in a CIBIL report. The actual duration, however, mainly depends on how quickly the lender verifies your claim.

2. Does CIBIL itself change the data?

No, CIBIL can not change the data itself. It only provides updated information after lender confirmation. It cannot make any changes or edits to your records.

3. Can I raise multiple disputes at once?

Yes, you can raise multiple disputes at once, but it is always advisable to focus only on one report section per submission for better and faster processing.

4. What documents are needed for CIBIL correction?

Here is the list of documents required for CIBIL Correction.

• Loan statements
• NOCs
• Payment proofs or updated KYC documents, depending on the type of error.

5. How often should I check my CIBIL report?

You should check your CIBIL report at least once every 2 months. Also, you should check on or after any major financial event, such as a loan closure or a credit card cancellation.

6. What if my bank disagrees with my correction request?

In this case, you must either re-raise the dispute or attempt to contact the bank’s grievance officer with supporting evidence.

7. Will a CIBIL dispute affect my credit score?

No, simply filing a dispute does not impact your score. However, errors or inaccuracies that remain in your credit report can affect it. This is why you must always check your credit report to find errors and report them on time.

8. Is there a fee for raising a CIBIL dispute online?

No, there is no fee required to raise a CIBIL dispute online; the service is completely free.

9. Can I dispute errors on someone else’s behalf?

Yes, you can do so, but only if you have authorisation. Otherwise, the request will be rejected.

10. Can I get my CIBIL report updated after debt settlement?

Yes, once your lender updates the “settled” status, then your score will reflect it within the next update cycle.