September 13, 2024 · 20 mins read
Santosh Kumar
How to complaint for CIBIL score? In the finance industry, there are some credit bureaus that calculate your creditworthiness. They gathered data to calculate the individual’s credit and give them a score
CIBIL scoring is a three-digit abstract of an individual’s credit history. It is generated by the TransUnion CIBIL agency.
However, sometimes, CIBIL reports may have some errors due to faulty implementation. These errors can lead to a low credit score, that can have an impact your likelihoods of getting loans and cards. In that case, you can file a complaint and bring the issues to the higher authority.
In this article, we will discuss how to complain for CIBIL Score. We will investigate the essential steps for how to file a complaint for your CIBIL score immediately.
Read More: How To Read Your Credit Report
Bankers and other financial institutions report your financial details to CIBIL and systemize these records in your credit report. Usually, they review your information monthly or quarterly. While the scoring is transparent, in many incidents, they generated a faulty report, which eventually led to a low credit score.
Mentioned below are some of the critical errors that can occur in your credit reports.
We should check our CIBIL report regularly, at least once a month. Typo errors and clerical errors are prevalent in the banking and financial sectors. We should check our name, age, date of birth, address, Adhar Card number and PAN card details.
Replication of an account in the name of the borrower is a very common mistake that can affect your CIBIL score.
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The right amount due and the outstanding balance must be synced to have a correct insight into availed credit facilities. Data related to outstanding credits should be accurate, as it helps evaluate the credit score. If one comes across these errors, they should be reported immediately to avoid a low CIBIL score or loan rejection.
The meaning of DPD or Days Past Due is the number of days by which the remaining payments on an account have been held up each month. For example, if your DPD shows anything other than ‘000’ or ‘XXX’, it means you have delayed payments, and this may be implemented negatively in your CIBIL report. In case you paid your instalments on time but found errors in DPD, then you should complain about it as soon as possible.
Read More: CIBIL Score Role in Loan Application Process
You may have a loan account and have paid off in full. So, it is a closed account, but it is not reported to CIBIL by the bankers. There could be a mistake in account ownership, in which some open accounts, that are not yours, are reported in your CIBIL report.
These could be administrative errors or could be fraud cases. An account can also be wrongly tagged as ‘written off’ or ‘settled’, which may affect your CIBIL Score. Then, you should file a complaint to the higher authority.
Your CIBIL report may show an unpaid amount that has already been paid or show defaults in payment history even when you have been regularly paying your instalments.
These are some common errors that may occur in your CIBIL report. For which you should file a complaint.
Since your CIBIL report will be the first source of evidence of your creditworthiness, any problems associated with your credit card will directly affect your credit score. It can be accidental sometimes, due to some errors. Here are the most common problems that happens with your CIBIL report:
Sometimes, issues with your CIBIL report can be from wrong or incorrect information associated with your credit card account. This can include mistakes in your name, address, PAN number, date of birth and many other personal details.
In some cases, you would have closed an account but it might show as active. This can be taken into consideration of your CIBIL report. Likewise, for loans, you would have paid it completely on time, but the status would remain as “written-off” or “settled.” You need to check this and update the correct details since they will affect your CIBIL score.
In some of the CIBIL reports, there might be repetition of your credit card account or your loan details. This will affect your credit score and eventually reflect in the report. You need to check and remove it if it is duplicated or repetitive.
Your report might have details of an unknown account. That might be showing up under your name either due to wrong entry, mismatch with another individual’s profile or due to some cyber theft. So, you need to immediately report this if the account or transaction isn’t yours.
There will be so many reasons added to this question. These problems make it essential for you to review your CIBIL report everytime and check for anything to be modified. Since it directly affects your credit score, the correction of incorrect details help you sustain your score.
To maintain accuracy with your details and to sustain your credit score, corrections for required details is preferable. Though it might not be your mistake that the lender didn’t update or there was a duplication, the report will not know what happened rather than documenting what’s provided.
So, you need to review your report as early as possible and get the mistakes and errors fixed to enjoy the perks of your credit card as usual without dropping in your credit score
Here’s how you can identify the errors in your CIBIL credit report:
1: Visit the official website of CIBIL and obtain your CIBIL report.
2: Review your report entirely to find out the problems and errors.
3: The error can be anything and you should not miss any irrelevant details.
4: Check for any identity theft or inclusion of wrong information in your report.
5: Verify your payment history and loan status.
6: Now, you need to report the errors to CIBIL and dispute your report.
In the process of rectifying your CIBIL score, it is essential to know how to process in the direction of filing a complaint for errors in your CIBIL score.
The following are four steps for how to file a complaint for your CIBIL score immediately.
Before you understand how to rectify your CIBIL score or how to correct your CIBIL report, first investigate the problem through its roots. Begin by downloading your updated CIBIL report. You can also access your CIBIL report via a subscription plan.
To initiate filing a complaint for an error in the CIBIL score, you must carefully go through the CIBIL report. Begin by inspecting the status of your credit accounts. In that report, each account has a tag next to it.
For instance, if you have cleared your payments, you will find a closed or settled tag. On the contrary, if you have an ongoing loan account, it will be marked as an open account. So, spot wrong entries to report them.
To start a CIBIL complaint online, you will have to begin the dispute resolution process on the CIBIL portal. All you must do is follow the procedure written on the page to report your dispute with CIBIL. Fill up the resolution form and specify the mistakes that you want CIBIL to cross-check. Submit your documents or evidence for the validity of your claim.
When you report your issues regarding your CIBIL score, the bureau will likely respond to you within 30 days after investigating your problems. To validate your claim CIBIL may contact your banker or lender and you. After going through verification and assessment, CIBIL authorities will take the necessary action and solve your score using authentic information.
Through this process, your report will be generated once more with an improved score.
Now, let’s delve into how many ways are available for filing a complaint for your CIBIL score.
There are various ways available through which you can register a complaint against the CIBIL score.
Submit an online form accessible on the ‘Contact Us’ page of TUCIBIL’s official website, www. cibil.com.
Call up on 022-61404300 to file your complaint. This is free CIBIL customer care. This line is open from Monday to Friday between 10:00 am to 6:00 pm (office hours).
You can post a complaint letter or correspondence to the official registered address of TUCIBIL at One World Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Fitwala Road,
Mumbai- 400013
Walk into the registered office of TransUnion CIBIL office and meet the manager from the Consumer Services Department.
1. CIBIL Complaint Online: www. cibil.com
2. CIBIL Customer Care: 022-61404300
3. Walk in Consultation: Go to the Customer Service Department of the Office
4. Through Postal Address: One World Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Fitwala Road, Mumbai- 400013
Read More: What is the Use of CIBIL Score?
TransUnion CIBIL classified consumer interactions vaguely into four categories. The following are the categories based on the nature of interactions.
It is known as an interaction seeking information.
If the interaction is regarding rectifying the errors in the CIBIL report, it is classified as a request.
If a customer is not satisfied with the response of the customer care service, he can connect to higher authorities of CIBIL. This is classified as a complaint.
Interaction suggests improving services given by CIBIL is called feedback.
Below are the list of documents required for raising a CIBIL complaint online:
1: Dispute information details: You need to include the information that are wrongly added to your CIBIL report.
2: Supporting document: In order to verify the details that you are finding as issues, you need to provide the supporting documents that shows your integrity.
3: Proof of identity: As identity proof, you can give your Aadhar card number, PAN number, passport, etc.
4: Dispute summary: You need to also submit a detailed summary of the error or mistake with your report and the reason for the dispute raise.
5: Correct details: You have to provide valid proofs for the correct details that need to be updated after the correction.
Let’s check how to write a letter to CIBIL for correction using the CIBIL website:
1: Go to the official website of CIBIL which is www.cibil.com and login to your CIBIL account.
2: Access your recent CIBIL report and check the details.
3: Find the errors and make note of them.
4: Come back to the CIBIL website and navigate to “Raise a Dispute or Dispute Resolution Center” section.
5: Now, you need to fill the dispute form with details like type of dispute and give accurate details.
6: If you already have the supporting documents to aid your dispute, you can attach that as well.
7: Now, review all the details you have entered and submit your dispute form.
8: You will receive a Dispute ID to track the status of your CIBIL complaint.
Let’s check the important tips to speed up your complaint letter to CIBIL:
1: Always double check if you have provided complete and correct information while writing complaint letter to CIBIL.
2: Providing relevant and supportive documents can actually speed up the resolution process.
3: Inform your bank or lenders about the CIBIL dispute so that they don’t delay with any response from their end.
4: Track your dispute with the ID and escalate it if it is not responded within estimated timeframe.
5: Submit one dispute and wait for the response. Submitting multiple disputes can slow down the process.
6: Document all the details like CIBIL complaint email id, receipt and more if it is required in the future.
1: A CIBIL dispute can be rejected based on several factors. Let’s check what to do when it gets rejected:
2: If your CIBIL dispute gets rejected, you need to understand its reason.
3: The reason will be available in the CIBIL dashboard or you might have received an email regarding this.
4: If you don’t agree with the rejection of dispute, you can escalate it to Grievance Redressal Officer for further procedure.
5: Try to revise your dispute with more stronger evidences.
6: If the rejection is due to lender’s mistake, contact them directly and ask them to update the necessary details.
7: Once it is applied again, you can monitor and have regular follow-ups with the dispute until it is completed.
If you find errors in your CIBIL report and want to make corrections through offline means, here is how you can do it:
You can file a complaint through postal mail. Write a detailed complaint letter to TransUnion CIBIL. Ensure that the letter contains your CIBIL ID, contact information, a detailed description of the problem in your CIBIL report, like incorrect personal information, loan accounts, or differences in the payment history, and copies of all supporting documents such as identity proof, account statements, loan closure letters, or any other evidence relevant to the case. Mail this letter to the official address of TransUnion CIBIL, One World Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Fitwala Road, Mumbai- 400013. In order to be able to trace, it is recommended that the letter be mailed via registered post or courier. Retain a copy of the letter and the postal receipt.
The other option is to visit the registered office of TransUnion CIBIL. Carry a hard copy of your CIBIL report along with all supporting documents. Request a meeting with a representative from the Consumer Services Department. You can explain the issue in a one on one interaction and submit your documents for review. The authorised representative will then guide you regarding the next steps, and you may receive a reference number to track your complaint.
You can reach the bank or any financial institution to which the erroneous details are held. Visit the branch of the particular bank/financial institution where the original wrong information is present and narrate the problem. Ask them to study their records and write a communication to CIBIL to rectify it. Call the bank again to confirm whether they have forwarded the corrections to CIBIL or not.
Using these methods, therefore, ensures directness and maintains the paper trail about tracking your complaints effectively.
Daily, many complaints are logged with CIBIL regarding the number of credit problem applications that are filtered by lenders. For this, CIBIL has set up some guidelines to be followed while tackling the complaints.
1. Any interactions accepted from customers will be registered into their Customer Relationship Management (CRM) software.
2. Upon registering the grievance with CRM, a unique service request (SR) will be generated for each complaint.
3. An acceptance receipt, with the SR code, will be sent via email or letter to the complainant.
4. After this, proper action will be taken in each timeline
5. If there is insufficient information or any missing document, then a representative from CIBIL will contact you.
6. Based on the action carried out, a response will be sent to the complainant via email or letter.
7. In some episodes, Root Cause Analysis (RCA) would be conducted to single out the areas of improvement in procedure and services.
8. Management Information System (MIS) on grievance with the finding of RCA will be sent to the Consumer Protection Committee (CPC) of CIBIL’s board.
9. Finally, a specialized department, Consumer Service, handles the complaints, problems and escalation.
Read More: Is 720 a Good CIBIL Score?
1. An acknowledgement must be sent via email within the next business day.
2. For any grievance, action must be taken within three business days from the date of receipt
3. If a case was given to rectification of credit information, then it must be solved within fifteen business days.
4. Other types of complaints will be solved within seven business days.
If you are not satisfied with the response given by CIBIL, then you can escalate your problem to senior management. There are three levels of the escalation process for how to complaint against the CIBIL score.
You can fill in a form to escalate to Level 1, and your problem will be forwarded to the Manager. CIBIL will respond to your complaints within fifteen business days.
If you are still unsatisfied with the result of your complaint, then you can fill out a form to escalate your complaint to ‘Escalate to Level 2’, and your complaint will be forwarded to the Assistant Vice President of Consumer Service
If your problem is still unresolved, then fill out the form ‘Escalate to level 3’ with the mandatory details of the SR number and the Online Grievance ID of the level 2 escalation. It will be escalated to the Chief Operating Officer. Now, wait fifteen business days for their response.
Read More: Top Factors that Affect Your CIBIL Score
Registering a complaint against your CIBIL score or CIBIL report is crucial for maintaining a correct and clean credit history. By following the step-by-step guidelines mentioned above. We can accurately raise and escalate the problems of your CIBIL report and rectify any inaccuracies.
For a healthy and good credit score, maintain good credit practice. You should pay your payments on time, avoid excessive debts, keep your utilization credit low and check your CIBIL report regularly for any administrative errors. By staying observant and proactive, you can improve your credit report.
Remember, a good credit score can open the doors to better financial opportunities, so it is vital to know how to complaint for CIBIL score and address any problem actively.
How do I solve the CIBIL complaint online, and where can I resolve my credit score complaint?
Ans: You can file your complaint on the official website of CIBIL using your username and password. You can also raise multiple complaints in a single form and wait for at least 30 days for their response.
Does CIBIL charge any fees for filing a complaint for your CIBIL score immediately?
Ans: No, CIBIL does not charge any fees for filing a complaint. It is free of charge for all customers.
I have closed my loan account, but they are not updating it in my CIBIL score; how to complaint against the CIBIL score?
Ans: Your loan banks take 40-45 days to submit your information to the CIBIL. But if you happen to download your CIBIL report within 45 days, it may not be updated in your CIBIL report. Hence, you must wait for at least 45 days to check your CIBIL report.
How will I get to know the status of my CIBIL complaint online?
Ans: After submitting the online form, you will get an acknowledgment from CIBIL within seven business days.
How to file a complaint for your CIBIL score online immediately?
Ans: To report CIBIL errors in your CIBIL credit report, you must fill out an online form for the Consumer Dispute Resolution Program at CIBIL’s official website.
How to detach a closed account from your CIBIL report?
Ans: To detach a closed account from your CIBIL report, you must make full payment to get full clearance from your bank.
Does CIBIL have the authority to edit or change the customer's received data from the banks?
Ans: No, as per the Credit Information Companies (Regulation) Act of 2005, CIBIL is not allowed to edit, remove or delete any information of the customer without confirmation from the financial institutes.
Can the errors in my CIBIL Report be rectified if I contact the bank or institution directly?
Ans: Yes, bank or lender can be requested to send you the corrected information to CIBIL. Most banks allot a unique service request ID while doing so for tracking the rectification process.
How much time does a rectification of the CIBIL Report take?
Ans: The time taken for rectification of the CIBIL Report is usually around 15-30 days and depends solely on the complexity of the error.
Will filing multiple complaints speed up the process?
Ans: No, because filing multiple complaints for the same issue may cause confusion and delay. It's best to follow up using the unique service request number provided.
You can dispute various errors in your CIBIL report like changes in your personal details, incorrect account information, wrong loan and payment status, unauthorized credit inquiries, duplicate accounts and incorrect balances in your account.
No, there is no fee charged for filing a CIBIL report dispute. CIBIL will check the corrections for free through online itself.
Yes, you can always raise a complaint for the incorrect personal details on your CIBIL report. All you have to do is to select the option of correction request with valid identity proof to change the wrong details. It can be your name, date of birth, address or changes in your identity documents.
In general, CIBIL will respond back to your CIBIL report dispute within 30 days. You will receive an email once it is resolved. However, this time limit can depend upon how quickly lenders are responding to CIBIL’s verification requests.
No, you won’t be able to file a dispute on behalf of someone else. You can file the dispute for any corrections in your CIBIL report.
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