How to Raise a CIBIL Dispute (and Experian, Equifax, CRIF): Steps and Letter Template

Short answer: Raise the dispute on the bureau’s official website, choose the wrong item, and attach proof. The bureau must resolve it within 30 days; if the lender must correct its data, it has 21 days. If either misses the deadline, you are entitled to ₹100 a day in compensation, and you can escalate to the RBI Ombudsman.

Last updated: 12 October 2026. General information, not financial advice. Your lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms.

Step by step

Download your free report and mark every error: wrong personal details, unknown accounts, wrong status or DPD, unknown enquiries.
Collect proof: closure letter or NOC, payment receipts, bank statements, ID documents.
Raise the dispute on the bureau’s website (CIBIL, Experian, Equifax or CRIF High Mark). Raise it separately at each bureau that shows the error.
Also write to the lender’s grievance officer, using the letter below.
Note the dispute ID and date. Follow up after 30 days.
If unresolved, complain to the RBI Integrated Ombudsman at cms.rbi.org.in.

Letter template to the lender

To: The Grievance Redressal Officer, [Lender name]
Subject: Incorrect credit information reported for loan account [account number]

I am writing about my loan account [account number] reported to [bureau name]. My credit report dated [date] shows [describe the error: e.g. account active / DPD of 60 days in June 2026 / loan not taken by me].

The correct position is [e.g. the loan was fully repaid on (date) / the EMI was paid on (date)]. I attach [closure letter / payment receipts / bank statement].

Please correct the information with all credit bureaus within 21 days, as required by RBI’s credit information rules, and confirm in writing.

Name:
PAN:
Registered mobile:
Date:

Common reasons disputes fail

No proof attached, or proof that does not match the account number.
Disputing accurate history: bureaus correct errors, not true late payments.
Raising it at one bureau when the error is at all four.

Credit report guides: Credit reports explained · CIBIL · Experian · Equifax · CRIF High Mark · DPD codes · Settled vs closed · Raise a dispute · Improve your score

Frequently asked questions

Is there a fee to raise a CIBIL dispute?

No. Disputes on the bureau’s official website are free.

Can I dispute a loan I never took?

Yes, and do it quickly. Also report suspected fraud to the lender, and to cybercrime.gov.in if your identity was misused.

What if the lender does not respond?

After 30 days, complain to the RBI Integrated Ombudsman at cms.rbi.org.in, with your dispute ID and letters.

Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.