CIBIL Dispute: How to Fix an Error on Your Credit Report

CIBIL Dispute: How to Fix an Error on Your Credit Report

A CIBIL dispute is how you ask TransUnion CIBIL to fix a wrong entry on your credit report. The lender checks the entry, and a 30-day limit applies under Reserve Bank of India (RBI) rules.
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In summary

If your credit report has a mistake, you can raise a CIBIL dispute online for free. CIBIL passes your dispute to the lender behind the entry. Only that lender can confirm or change the entry. Under RBI rules, the dispute should be resolved within 30 days. If it takes longer, you get Rs. 100 for each day of delay. Keep proof ready. If you are not satisfied, complain to the lender, then to the RBI Ombudsman.


  • Disputes are free to raise online. 
  • The lender decides on each entry. 
  • The limit is 30 days. 
  • Late resolution earns Rs. 100 a day. 

Fixing your report before a loan? Check your loan offer with your phone number and a one-time password (OTP) → apply online → funds may be credited within 24 hours* of approval, subject to verification.

What can you dispute?

You can raise a CIBIL dispute for any entry that is wrong. You cannot raise a CIBIL dispute just because an entry hurts your score. A true late payment stays on your report.


Errors you can dispute:

  • Account details: A closed loan shown as open, a wrong balance or a wrong limit. 
  • Payment status: A payment marked late when you paid on time. 
  • Ownership: An account that is not yours, or a duplicate of one that is. 
  • Personal details: A wrong name, date of birth, address or Permanent Account Number (PAN). 

Entries you cannot dispute:

  • True late payments: If you paid late, the record is correct. 
  • Settled accounts: If you settled a loan, the "settled" status is correct. 
  • Correct enquiries: A hard enquiry from a loan you applied for stays. 

For a correct but negative entry, the way forward is to rebuild your record with on-time payments.

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What proof should you keep ready?

A CIBIL dispute moves faster when you have proof. The lender checks its own records, but your papers help if there is a doubt. The table shows what to keep for each type of error.


Error on your reportProof to keep ready
Closed loan shown as openNo-dues or closure letter from the lender
Payment marked late in errorBank statement showing the payment date
Account that is not yoursWritten statement that you never took it; police complaint if it is fraud
Wrong balance or limitLatest loan statement or card statement
Wrong name, address or PANPAN card, Aadhaar or address proof
Duplicate accountStatement showing a single loan number

Last updated: 27th October, 2026


Keep scanned copies as PDF files for your CIBIL dispute. You may not need to upload them, but the lender's team may ask for them.

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How do you raise a CIBIL dispute?

You can raise a CIBIL dispute on the TransUnion CIBIL website. Follow these steps:

  • First, log in: Sign in to your account on the CIBIL website, or create one with your PAN and mobile number. 
  • Second, open your report: Find the dispute section and note your report's control number. 
  • Third, pick the entry: Choose the account or detail that is wrong, and select the field. 
  • Fourth, enter the correct value: Type in the correct details and add a short note. 
  • Fifth, submit and save the ID: You get a dispute ID. Use it to track the status. 

The disputed entry shows as "under dispute" on your report while the lender checks it. For the postal route, see the contact page on the CIBIL website for the current address.

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How long does it take?

The RBI set a 30-day limit for each CIBIL dispute, from 26th April, 2024. The time is split in 2:

  • The lender has 21 days: It checks the entry and sends CIBIL the correct data. 
  • CIBIL has 9 days: It updates your report and closes the dispute. 

If a CIBIL dispute is not resolved within 30 days, you get Rs. 100 for each day of delay. The lender and CIBIL share the cost, based on who caused the delay. Give your correct bank details when you file, as the money goes to that account within 5 working days of resolution.


Manish's closed car loan

Manish, 42, works in branch operations for a bank in Bhopal, on a monthly salary of Rs. 68,000. He had closed a car loan 8 months earlier, but his report still showed it as open with an overdue amount. His CIBIL score was 691. He raised a CIBIL dispute and kept his no-dues letter ready. The lender corrected the entry within 30 days, and his report showed the loan as "closed". He then took Rs. 1,95,000 for his son's engineering fees at an illustrative 13.75% per annum. For the equated monthly instalment (EMI), he looked at 24 and 36 months.


EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 1,95,000, R = 13.75 ÷ 1,200 and N = months.


TenureMonthly EMI (Rs.)Total interest (Rs.)EMI as share of salary (%)
24 months (2 years)9,33929,14813.7
36 months (3 years)6,64144,0759.8

Last updated: 27th October, 2026


On 36 months, each EMI would be Rs. 2,698 smaller, with Rs. 14,927 added in interest. Processing may cost him as much as Rs. 8,054. Manish chose 24 months. With the CIBIL dispute behind him, the EMI stayed at 13.7% of his salary.


What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.


CIBIL dispute resolved and ready to borrow? With a Bajaj Finance Personal Loan, you can borrow Rs. 40,000 to Rs. 75 lakh, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online → funds may be credited within 24 hours* of approval, subject to verification.

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What if the dispute is rejected?

The lender may reject your CIBIL dispute and say its entry is correct. CIBIL then closes the dispute without a change. You still have options:

  • Ask the lender why: Write to the lender's grievance officer and ask for the reason in writing. 
  • Send your proof again: If you have a no-dues letter or a bank statement, share it with the grievance officer. 
  • Escalate to the RBI: If 30 days pass with no reply, or the reply does not settle it, complain to the RBI Ombudsman at cms.rbi.org.in. 

Keep a copy of every letter and email about your CIBIL dispute. A clear paper trail makes your complaint stronger.

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How do you avoid errors in future?

Most reasons for a CIBIL dispute are loans that are closed but not updated. These habits help:

  • Get a no-dues letter for every closed loan: Ask for it on the day you make the final payment. 
  • Check your report 2 months after closing a loan: Make sure the status shows "closed". 
  • Check your report once a year: Use the yearly free report that each bureau offers. 
  • Act on alerts: If you get an SMS about an enquiry you did not make, check your report at once. 
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Should you fix errors before taking a personal loan?

Yes. A wrong entry can lower your score or raise questions during your application. Raise a CIBIL dispute 1 to 2 months before you apply. Bajaj Finance offers its Personal Loan from Rs. 40,000 to Rs. 75 lakh over 12 months to 108 months. The lender checks for a CIBIL score of 650 or more, and an age of 21 years to 80 years for Indian nationals. A clean report gives the lender a clear picture.

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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Raising a dispute

After the dispute

Is there a fee to raise a CIBIL dispute?

No. Raising a dispute on the TransUnion CIBIL website is free. You need to log in with your account and pick the entry that is wrong. You do not need to buy a paid plan to raise a dispute. Keep your proof ready, such as a no-dues letter or bank statement, in case the lender asks for it.

No. CIBIL holds the data that lenders send it. It cannot change an entry without the lender's confirmation. When you raise a CIBIL dispute, CIBIL sends it to the lender. The lender checks its records and sends the correct data if needed. Then CIBIL updates your report. Keep your proof ready in case the lender asks for it.

It may. If the error was pulling your score down, such as an overdue amount on a closed loan, the score is worked out again after the update. The size of any change depends on the rest of your report. If the error had no effect on the score, fixing it will not change the number.

Under RBI rules, you get Rs. 100 for each day beyond 30 days. The lender and CIBIL share the payment, based on who caused the delay. The money goes to the bank account you gave when you raised the dispute. Check the status on the CIBIL website with your dispute ID.

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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
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