CIBIL dispute: wrong credit score or report? How to fix it
Updated 2026-10 · General information, not legal advice.
Credit bureaus and lenders must correct wrong information. Under RBI rules a dispute should be resolved within 30 days, with compensation for delay.
When to use this
- A closed loan or card shows as active or overdue
- An account you never took appears on your report
- Your score fell for a reason you cannot explain
Step by step
- 1
Get your credit report
Download your report from each credit bureau. You are entitled to a free full report once a year from each.
- 2
Raise the dispute online
Use the dispute option with the bureau and give the lender's name, account number and proof such as a closure letter.
- 3
Write to the lender too
Ask the lender to correct the data it reported and send the bureau an update. Keep the complaint number.
- 4
Escalate to the RBI Ombudsman
If it is not resolved in 30 days, file free at cms.rbi.org.in. Delay beyond 30 days can attract compensation under RBI rules.
Key facts
- Keep loan closure letters and no-dues certificates
- Check your report at least once a year
- Shikayat does not give financial advice
Get your free action plan
Tell us what happened. We show your options, draft the letters and track every deadline.
Common questions
How long does a credit report dispute take?
It should be resolved within 30 days under RBI rules.
Can I get compensation for delay?
RBI rules provide compensation for delay beyond the time limit. Check the current rules when you file.