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How to raise dispute in CIBIL report to remove a wrong entry

You can raise a dispute in your CIBIL report for free on the official TransUnion website. The Reserve Bank of India gives lenders and credit bureaus exactly 30 days to fix wrong entries or fake loans. If they delay, you can claim a compensation of ₹100 per day.

By Qrates research desk · 2026-11-05

You can raise a dispute in your CIBIL report for free on the official TransUnion CIBIL website. Log in to the Dispute Center, select the exact section that contains the error, and click submit. The credit bureau and your lender have 30 days to fix the mistake.

Finding a fake loan or a wrong payment status can drop your credit score. You must correct these errors to get loan approvals in the future. The Reserve Bank of India provides a clear process to fix these mistakes. If you need to check your current report first, you can use credit score apps to download it.

What you need before you start

You must gather a few details before you file your request. Having the right documents makes the dispute resolution process faster. Lenders will ask for evidence before they update their records.

  • Enquiry Control Number: You need this 9 or 10 digit code to file a claim. You can find it printed at the top right corner of your latest CIBIL report (Official CIBIL Website).
  • Active account: You need a registered login for the TransUnion CIBIL consumer portal.
  • Proof of correct data: Keep a bank statement or a loan closure letter from the credit institution ready. If you see an unknown account, you can check loan and credit apps to find the actual lender behind the entry.

Step-by-step: How to correct your CIBIL report online

Log in to the CIBIL Dispute Center

  1. Go to the official TransUnion CIBIL website at https://www.cibil.com.
  2. Log in using your registered email address and password.
  3. Click on the Credit Report section on your dashboard.
  4. Scroll down and click the button to raise a dispute.

Select the wrong entry or fake loan

  1. Navigate to the specific section that contains the error. You can dispute personal details, account balances, or recent inquiries.
  2. Click on the incorrect field.
  3. Select the correct value from the drop-down menu provided on the screen.
  4. Mark the entry as "not mine" if you spot a fake loan.

Submit and save your dispute ID

  1. Review all the changes you have marked in the form.
  2. Click the submit button at the bottom of the page.
  3. Note down the unique dispute ID generated on the screen. You will use this ID to check your CIBIL dispute status later.

How long it takes and what it costs

Filing a CIBIL score dispute is completely free (Official CIBIL Website). CIBIL does not charge consumers or commercial entities to correct errors on their credit reports.

The Reserve Bank of India sets strict deadlines for this process. The standard turnaround time for the dispute resolution process is 30 days (www.rbi.org.in). The lender gets 21 days to check the facts, and the credit bureau then has 9 days to update your report.

Detail Limit or Fee
Dispute filing fee ₹0
Total resolution time 30 days
Lender verification time 21 days
Bureau update time 9 days
Delay compensation ₹100 per day

Borrowers are entitled to a compensation of ₹100 per day if the credit institution or CIBIL delays the resolution beyond 30 days. This rule was introduced by the RBI in 2023 (www.rbi.org.in). The compensation applies automatically if the delay is proven.

If it does not work: The escalation path

Automatic Internal Ombudsman review

Your bank might reject your claim and say the entry is correct. Under the 2026 RBI rules, banks cannot simply close the case (www.rbi.org.in). They must send rejected credit correction requests for an automatic review by their Internal Ombudsman. This ensures a senior official checks the rejection before it becomes final.

Contact the CIBIL Nodal Officer

Sometimes the lender agrees to the change, but the credit bureau fails to update the report. You can escalate this CIBIL grievance directly to their Nodal Officer. You must use the escalation form available on the official CIBIL website. Include your original dispute ID in this form.

File a complaint with the RBI Ombudsman

You might wait 30 days with no resolution. You might also be unhappy with the final answer from the bank. In these cases, you can complain to the RBI Ombudsman against a bank or loan app. The RBI regulates all credit information companies and can force them to correct fake entries.

FAQs

How long does CIBIL take to resolve a dispute?

The Reserve Bank of India gives credit information companies and lenders a total of 30 days to resolve your issue. If you are asking Cibil me dispute kaise raise kare, you must start the process online to trigger this 30-day clock.

What happens when you raise a dispute in CIBIL?

The credit bureau marks the entry as under dispute and asks the lender to verify the data within 21 days. Once the lender confirms the error, the bureau has 9 days to update your report.

How to remove wrong loan entry from CIBIL report?

You must log in to the CIBIL dispute center and mark the unknown account as not yours. If you want to know Cibil score me galat entry kaise hataye, this online dispute form is the only official method.

Can I raise CIBIL dispute offline?

You can send a physical letter to the TransUnion CIBIL registered office in Mumbai. However, the online dispute center is much faster and gives you an instant tracking ID.

What is a control number in a CIBIL report?

A control number is a unique 9 or 10 digit code generated every time a credit report is pulled. CIBIL calls this the Enquiry Control Number and uses it to track your specific report version.

How to check CIBIL dispute status?

Log in to the consumer portal on the TransUnion CIBIL website and navigate to the dispute section. You will need your unique dispute ID to see the current stage of your request.

The short version

  • You can file a dispute online for free using the TransUnion CIBIL website.
  • You need your 9 or 10 digit Enquiry Control Number to start the process.
  • Lenders and credit bureaus must resolve the issue within 30 days.
  • You can claim ₹100 per day in compensation for delays beyond 30 days.
  • The 2026 RBI rules force banks to review rejected disputes through an Internal Ombudsman.

Sources

Disclaimer

Qrates is an information directory. It takes no commission from any company listed and does not recommend products. Figures are taken from the sources named and dated, and they change; check the company's own page before you decide. This is not investment, credit, insurance or tax advice for your situation. For a specific dispute, a lawyer or the regulator's ombudsman can advise you.

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