How to correct the errors in CIBIL report ?

POSTED BY Jagoinvestor ON January 9, 2012 COMMENTS (447)

Did you come across many errors in cibil report of your ? Was there any kind of mistake in cibil report ? Are you wondering how to clear yourself out of CIBIL defaulter list? Is your name in cibil defaulters ? In this article you will see what can be done to Correct the errors in CIBIL Report and remove your name from cibil ? Firstly let’s understand the type of errors that can be on your CIBIL report. Before that, the first thing you need to do , apply for your CIBIL Credit Report Online

1. Errors in CIBIL Report

Banks keep on updating CIBIL about your credit behaviour on monthly basis. So, at the time of entering some data, it might happen that some human error happens. Even though these are human mistakes, still they are responsible and correctly blamed for a lot of complaints. Let me give you an example – Suppose your outstanding credit was Rs 2,000, but accidentally it was entered as Rs 20,000. Similarly, there can be various things which can get wrong:-

  • Account/ Loan Type
  • Account Status
  • Ownership Type
  • Date of Last Payment
  • Date Opened
  • Date Closed
  • Sanctioned Amount/ High Credit
  • Current Balance
  • Amount Overdue
  • DPD/ Asset Classification

Remember that each of these little things are very important and different banks can have different criteria and weightage on a particular thing. So getting each thing right is very important for your future loans. Make sure you have them corrected.

2. Mistakes in your Basic details like Name , Address , Date of Birth

There can be at times mistakes in basic details like Name, address, Date of Birth etc… For Example, in my CIBIL report, my name “Manish Chauhan”, can be misspelt as “Manish Chavan” (like all the people in Pune do when they write my name). So if name is misspelt as “Manish Chavan” and tomorrow some real “Manish Chavan” runs away after taking Rs 50, 00,000 home loans, with help of human error, there are chances that this impacts me. Don’t take it lightly incase your name or any other detail is incorrect. The full list of details is as follows

  • Name
  • Date of Birth
  • Gender
  • Income Tax ID
  • Passport Number
  • Voter’s ID
  • Telephone Numbers
  • Address
  • State
  • PIN

3. Something Does not Belong to you or Has Duplicate Entry

At times you will see things which do not belong to you, it comes into the category of “human error” or actually it might be on your name, just that you are not aware of it, this might happen if your documents are misused by some other person. This happens and has happened with lot of people. So take this seriously. Note that you might not see a recent update in your CIBIL report if you have applied for a CIBIL report within 45 days of a transaction. It takes time to update it in CIBIL report.

How to Correct your CIBIL report

Cibil has an online redressal mechanism for handling the mistakes in CIBIL Credit Report or to correct errors in cibil report, which is called “Dispute Resolution” .

CIBIL report Mistakes Correction

Step 1 : Fill up a Dispute Resolution form

The first step is to fill up this CIBIL Online Dispute Resolution Form. Make sure you put all the information correctly. There is something called as CONTROL NUMBER which you will find in your CIR report, you have put fill this control number in this dispute form along with other details. You will also have to give them the exact mistake and the correct information. The Control Number is a unique 9-digit number found on the top right hand side of your CIBIL Credit Information Report and is generated every time a credit report is generated.   Once you submit the form, you will be given a Dispute ID which you can use for future references. This Dispute id will also be emailed to you. The dispute resolution form looks like this

Cibil report mistakes resolution

Step 2 : CIBIL communicated to Loan Provider to confirm Detail

Once you raise a Dispute request, CIBIL first tries to see if it can verify and rectify the details on its own but incase its unable to do so (which will be the case most of the times) it will then forward your dispute request to the loan provider (the bank which issued you credit card, home loan, car loan etc).  Once the loan provider confirms that there is an error it will provide CIBIL with corrected data. CIBIL then updates the data and informs you as appropriate. Always remember, it is the duty of CIBIL to help you resolve your request.

Please remember that CIBIL does not make changes to any information on its own. It is only a custodian of information received from credit institutions. CIBIL is permitted to make changes to your credit information only when it is confirmed by the relevant loan provider(s). You will receive an email notification informing of the results for the dispute requested. It takes approximately 30 days to resolve a dispute request. Once the dispute is resolved, you can see the status of your CIBIL report by applying to it all over again. A lot of people wish if they could have a CIBIL Login and Password where they can view their report whenever they want. But that won’t happen soon

I hope you have got a clear idea on what to do when there are mistakes in your CIBIL report and you want to correct them. Just follow the steps suggested and you should be able to correct the errors in cibil report of yours and get out of CIBIL defaulter list !

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447 replies on this article “How to correct the errors in CIBIL report ?”

  1. Prashant singh says:

    Hi sir plz do reply…me
    Yesterday I got my education loan declined from axis bank due to in my father’s cibil report. I purchesd my dad’s cibil report it says I had taken a housing loan in 1999. The lender is union bank and its showing some bank account also. Our entire family never had any such bank account with Union bank. This is bullshit.
    This was the first time we applied for the loan in life. I have already raised a dispute. And got the mail.

    Tell me plz ho I can resolve it fast as I have to get my education loan passed as early as possible.

    Thank you.
    Prashant singh
    9169546099
    Prashant9286@gmail.com

    1. If your father cibil report is not correct, then you need to approach the CIBIL and lender to clarify on this matter. I didnt knew that CIBIL is now linking family cibil report too !

  2. Nagappa says:

    In my cibil report their are two errors:

    1. PAN card number is mine but name and DOB is others
    2. I dont have any education loan but it is showing my education loan in report.

    Please help me how to shot out this problem.

    1. Check out with CIBIL itself on this .

  3. Rajesh Kumar S says:

    HI Cibil,

    While checking my CIBIL Score the bank have informed that i have Home and Car Loan, Please look this on priority.

    Regards
    Rajesh Kumar

  4. balaguru says:

    Sir, I am complete my education loan. But now am checking my Cibil report in online, some error in my report I don’t have a other loan but. I see the default loan in my report

    1. Check with CIBIL on this

  5. nagarajan says:

    I have applied for loan with bank,bank reported that i have unpaid loan on y account,but i didn’t took that loan.on report i have found that my DOB,Address and IF prrof are not mine.I raised dispute on CIBIL ,i got reply for the above check with credit institution.how can i get that credit institution contact detail

    1. In the CIBIL report itself you will see which lender has reported you are defaulter. Talk to them now

  6. pradeep says:

    Please tell me is there is any option for change in PAN number in Cibil Report

    1. NO , there is no option like that. REPORT gets created for each PAN ! , not vice versa !

  7. Ravi Sankaran says:

    10 or 12 years ago I had settled my credit card dues with a one time payment my credit card was a standard chartered bank card. The papers pertaining to the full and final settlement is no longer with me since the issue is closed. Now there is a leasing company which is claiming 50 lakhs as due to be paid and this is making my cibil score very low.
    I would like to know how to settle this dispute. My card limit is was 1 lacs (if I remember correctly).

    1. But why it is mentioned as a bad remark in CIBIL , This needs to be checked with Standard chartered

      Read this – https://www.jagoinvestor.com/2016/08/correct-cibil-report.html

  8. deep says:

    i dont have any credit card or loan, and i didnt took any loan from bank. now its my first job. and when i applied for the credit card, its got rejected because of that cibil score? what shoul i do on this matter?

  9. sony says:

    Dear,
    my cibil report saying i was proof of onther person who took bike loan in 2003 , i was not in the job,i dont have id proofs, how this one coming in my cibil report. whome i can contact.

  10. Madhuri says:

    I raised a dispute to change my name which was wrongly displayed in CIBIL, but that was not done by them and I got a Dispute status update like “No change Please get in touch with your credit institutions for the required correction”. So whom should I contact to correct my name…could you please clarify.

    1. The name issue is there because it seems like you have name mismatch with one of the lenders (credit cards) , So please check your name at your lenders end . Contact them on this.

      Manish

  11. RAJU says:

    Sir,
    Four loan wrongly reflected in my cibil report. They does not belongs to me. I raised a dispute to cibil on 29 Jul 2016 but complaint not forward to concerned loan provider. how it is

    1. You need to contact the lenders from your side.

  12. Nitin says:

    in my cibil report mentioned 3 credit cards account and not paid timely, when i raise dispute one credit card removed from my report but my score does not improve. i want to know why my score not improve after account removed?

    1. It does not change the same moment .. it will take a lot of time !

  13. Manikandan says:

    Hi, I recently tried to apply for a personal loan and it was rejected stating that my cibil score was low. I checked the score and saw that , a credit card overdue that was filed before has been filed again. I filed a dispute and I got a mail telling that it has been removed from my report. But I still see the same score when I login and the same credit card overdue. When will the score improve?

    1. Its not going to happen in few days .. there is no formula for that, but it should take few months for sure !

  14. Mukesh Kumar says:

    I have an error in my cibil report that i applied for loan in 2009.but it is wrong entry. How can it be corrected.

    1. Contact the bank first, contact the cibil then and then check how it will be corrected.

  15. Vikram says: