How to raise a dispute in the CIBIL report

 

Myself Ramesh Naskar, I am working as a CIBIL repairer for 10 years. I also have a YouTube channel in which I post videos regarding CIBIL. In that channel I often get a comment saying how can a person raise a dispute in CIBIL.

CIBIL is a very important document if you are planning to get a loan. CIBIL score and CIBIL report decide where you will be eligible for getting a loan and at what rate.

As I have already told you about the importance of CIBIL, you also need to know that you should check your CIBIL at regular intervals. This will give you an advantage because you will know if there is any problem with it or not.

Now the main question is if there is any problem in your CIBIL credit account like mixing account, over dues, settlement or written off then u will face problems.  You won’t get a loan from any bank unless you rectify it.  

So today I am going to teach you the process or the method you can raise CIBIL disputes all by yourself.

Let's begin

Go to the official website of CIBIL from google.com

Once the site is opened you will get this page. In this, you can get free CIBIL and you can also register on this site.

For free CIBIL you have to click the “click here” button.

I have already made a YouTube video on how to make free CIBIL from TransUnion. I am going to attach the link below you can go and check it out.

Now if you have already registered on the CIBIL site, just go to login. if are not registered then you need to register on the site.

 It will charge you as per your subscription duration. Please go for 6 months because sometimes it takes more than 45 days to get your CIBIL rectified.

Now as my customer has already registered himself, I will click login.

 

 Enter your details and proceed to next page.

Once you login this page will be shown.  In this page you will see your Cibil score. In the top you can see your Cibil score. and a unique control number present in your Cibil report.

 then you will find few sub sections like personal information, contact information, employment information, account information and last enquiry information. 

If you find any error in any of this mentioned section then you can raise dispute.

Previously there was another option present in this page on top, which was easy method for raising a complaint. But this facility has been removed from by credit bureau.

 Now option is given at the bottom of the page. You need to click it and then a page will open named dispute center.

 In this page, you will see a link called dispute an item. You need to click this dispute an item. After that, a page will be opened.

On this page, as you can see options like

•    Personal information
•     Contact information
•      Employment information
•     Account information
•      Enquiry information’s.

 

Click the section in which you want changes or want to raise a dispute.

Currently for my customer, I want to raise a complaint in the account section.

After clicking the account section, it will show you all the loan account associated with you. In this case, you get to see two accounts.

 For other closed account you need to click this link.

 This will pop up after you click the closed account button.

Now you will see all the accounts in details.

The second IIFL account which you can see into this snap has error. So, my customer wants it to be removed.

 

Click the IIFL account. then you will get some list of options.

1.     Account reflects multiple times

2. Account does not belong to me.

If this account doesn’t belong to you, simply click the check box given beside account does not belong to me and then submit it.

But in my customer’s case, it shows DPD. The customer informed me that he didn’t have so much DPD.

In your case its possible that you have a genuine DPD status. and because of DPD you wont are not getting any loan.  In that case, you can change the DPD score 0 and raise a dispute.

 I have already made a YouTube video in which I discussed removing DPT/DBT. The link is given in the description below. You can check it out for DPD-related issues.

Now I am going to change all the values to zero and then hit submit. 

This pop will be shown, again click on submit dispute and This will raise your dispute in credit bureau.

 A dispute summary will be generated, in which you will see the details regarding your dispute raised. It will give a dispute id. within 30 days CIBIL will response regarding your dispute. If you want you can contact customer service and ask for your dispute status. You need to provide them with your dispute id. 

You can also check the disputed status from the dispute center. You need to click on the open and close dispute.

After clicking it, it will show the dispute id and its status.

The drawback of this process is you don’t get a good result. So, there is another process to rectify your CIBIL error.

I have made a YouTube video regarding rectifying your CIBIL error. you can check it on my YouTube channel. The link is given in the description.

CIBIL credit bureau always updates its process for error rectification. Previously we can email them our problem. Now, this option is not available. 

Read More:

1. How to remove Post Written off Settlement from the CIBIL report?

2. What is SMA (Especially Mentioned Account)? How to remove SMA from the CIBIL report?   

3. How to download CIBIL report (Free) CIBIL report in PDF format?

How to do Grievance in CIBIL?

 

Nowadays, credit report plays a very significant role to get a loan from any PSU/NBFC. So, the correctness of credit reports is very important. If there is any dispute in the report, then it can be resolved. There are different processes to rectify the CIBIL report.

As a first step, you should raise a dispute on the CIBIL site. Then, you can write your complaint to CIBIL in detail. With the complaint letter, you can attach relevant documents. All this process, I already discussed in earlier blogs.

You can follow those methods to resolve the dispute. Most of the problems are solved by these methods.

Now, if you already followed the above two methods, and if you did not get any response from CIBIL for more than 30 days or you are not satisfied with the response, then you can do Grievance on the CIBIL website.

1. Steps to open the Grievance desk in the Transunion CIBIL site:

Step 1:  First, open the Transunion CIBIL official website with the link https://www.cibil.com/  Then a page as shown in Picture 1, will open to you. Then click on  “Support” at the top corner of the home page.

                              Picture 1: Transunion CIBIL’s home page.

Step 2: After clicking on “support”, a page will open. Now, scroll down the page and notice the link bar mention “VISIT OUR GRIEVANCE DESK” in picture 2. Click on the link bar.

Picture 2: Transunion CIBIL’s support page.

Step 3: After that, the Grievance desk will open to you as shown in picture 3. There are three Escalate Levels.

i.                    Escalate Level 1

ii.                  Escalate Level 2

iii.                Escalate Level 3

Picture 3: Grievance/ Escalate Desk

i.  How to do Grievance in Escalate   

Level 1: For Grievance in Escalate Level 1, require a Service Request no. For that, you need to raise a dispute online or write a complaint letter to CIBIL first. From this process, you will get a Service Request no. If you did not get any response for more than 30 days or you are not satisfied with the response from the CIBIL, then you can escalate the issue to level 1.

To escalate an issue in level 1, click on the link “Click here”.

                                      Picture 4: Escalate Level 1                                                   

Now, a form will open to you as shown in picture 5. Then you have to fill in all necessary details in the form like your Name, DOB, Gender, email id, Mobile no, Address, etc. You have to put the Service Request Number collected earlier.

Then you can describe your issue in 1000 characters. Then, enter the character shown in the image. Then click on submit. After submission, you will get a Level 1 online Grievance id instantly on the screen and also through the mail. You have to store that id for further escalate levels. 

In Escalate level 1, your complaint will forward to the manager of consumer services. And you will get a response in 15 business days.

Picture 5: Escalate Level 1 Form

      ii.                    How to do Grievance in Escalate Level 2:

If you did not get any response for 15 business days or you are not satisfied with the response from Escalate Level 1, then you can escalate your issue again in Escalate Level 2 as shown in picture 6. For that, you need the Service Request Number and the Level 1 Online Grievance ID. You got all these in the previous process. 

To Grievance in Escalate Level 2, click on the link “Click Here to escalate”.

Picture 6: Escalate Level 2           

                  

        Picture 7: Escalate Level 2 Form

Now, the Escalate Level 2 form will open as shown in picture 7. then, fill in all the details like Name, DOB, Gender, Email Id, Address, etc. Here, you have to put Service Request Numbers and Online Grievance ID Level 1 collected from previous steps.

Then, you can describe your issue in 1000 characters. And enter the characters shown in the image. Then, click on submit. After successfully submitting a Level 2 Online Grievance ID will generate instantly on the screen or you get it through your email. This will require further Grievance.

 Your complaint at this level will forward to the Assistant Vice President of Consumer Service. And you will get a response within 10 business days.

iii.                     How to do Grievance in Escalate Level 3:

Still, if you did not get any response for 10 business days or you are not satisfied with the response from Grievance level 2, then you can escalate your concern to Escalate Level 3. To escalate to the last level, you need the Service Request Number and Level 2 Online Grievance ID.

For that click on the link “Click here to escalate” as shown in picture 8.

Picture 8: Escalate Level 

After that, a form of Escalate level 3 will open to you as shown in picture 9.

                                                       Picture 9: Escalate Level 3 Form

 

Now, you fill in all the details like Name, DOB, Gender, etc. Here also, you have to put the Service Request Number and the Level 2 Online Grievance ID collected from previous steps.

After that, you can describe briefly in the box in 1000, then enter the character shown in the image and submit the form. Your concern will forward to a higher authority, Chief Operating Officer.

 With the Grievance in the CIBIL site, you can send mail to the concerned PSU/NBFC bank. It helps you to resolve your problem faster. As we provide service for CIBIL correction, so we have lots of experience with different types of problems in the credit report.

 From that experience, we can say that most of the problems happened in the bank. If your concern is solved in the bank, then that will update to the CIBIL. If you follow all these processes mentioned above, we hope your concern will be solved.     

Read More:

1. How to write a complaint in CIBIL?

2. Should you check CIBIL report before applying for a loan?

3. How to remove Post Written Off Settlement from the CIBIL report?

How to write a complaint in CIBIL?

 

Nowadays, when a person received a loan from any PSU/NBFC bank, then the details of the Loan account with the repayment history are stored in several Credit bureaus. ‘Credit information bureau (India) Limited’ means CIBIL is one of them.

when a person applied for a loan to any PSU/NBFC bank, they check the CIBIL report of that customer. So, every customer needs to maintain the correctness of their CIBIL report. 

If there is any wrong information showing in the CIBIL report then the customer can correct that by themselves.  

Now, I discuss here in briefly “how to write a complaint in CIBIL?”. Which is a more effective way to get solutions to any problems related to CIBIL.

  Firstly, you have to raise a dispute in CIBIL and collect the ‘Dispute Id’. Then you write on the CIBIL website, where you can attach the necessary documents with that letter.

Here, I try to explain the process step by step with an example of my customer, Mukul Banerjee. So, I great full to him. 

Step1:  Here, I discuss how to open the complaint form.

1. Open the CIBIL website through this link www.cibil.com

Picture 1: Dashboard of CIBIL website

1.    2. A page like a picture 1 will open to you. Then click on ‘support’, showing in the top right corner of the page.

Picture 2: dashboard of customer support.

 2.  3.  After that, a page will open. Now you scroll down and find the “Contact Us: CLICK HERE TO KNOW THE DETAILS” option as shown in picture 2. Then you have to click on that link bar.

Picture 3: Dashboard of Contact Us

 4.  Then a page of Contact Us will open to you as shown in picture 3. There, you can see the option of “Write To Us: Click Here”. Then you click that link.

 Picture 4:  Dashboard of write to us.

5.  Now, a page like picture 4 will open to you. There are two options showing

 

i.                   Consumer (Click on the Consumer bar, if you have a problem in your individual CIBIL report)

 

ii.                Commercial (Click on the Commercial bar, if you have a problem in your commercial CIBIL report)

N         Note: Here, I will explain further process with help of individual CIBIL           reports of Mukul Banerjee. But for a commercial report, the process                 will similar to that.

Picture 5: Options are shown under the Consumer bar.

  After click on the Consumer. Four options will show as in picture 5.

i.                    Dispute (Click on this, if you have a dispute in any section of your credit report )

ii.                  My CIBIL related (Click on this, if you have problem-related with your  CIBIL portal )

iii.                General Information (Click on this, if you want to get more information about CIBIL)

(Click on this, if you have score related problem in your credit report)       

Picture 6: Options are shown in the Dispute bar

Now, if you found any wrong information is shown in your report, then click to “Dispute”. After that, seven options will open as shown in picture 6.

i.                   Status of Dispute

ii.                 How to raise Dispute

iii.              Dispute- Account Section

iv.              Dispute- Enquiry Section

v.                 Dispute- Personal Section

vi.              Dispute- Contact  Section

                     vii.            Dispute- Employment Section 

     

 

Picture 7: Box is shown under Dispute- Account Section bar

Now, you can click on one of the specific options, depending upon the dispute shown in which section of your CIBIL report. if you have any account-related complaint, then click on “Dispute- Account Section”. After that, a query box will open. Now scroll down the box and you can see a link as “ Write to us by clicking here” shown in picture7. Click on the link.

Picture 8: Form for re-complaint 

A complaint form will open to you like in picture 8. If you already submitted a complaint then you must have a Service Request Number. Put your email id & the Service Request Number. But if you are writing a complaint first time for a particular dispute, then click on “New Application”.  

Picture 9: Complaint form for a new applicant.

 After that, an application page will open to you as in picture 9. Now, you need to fill in all the documents. Also, put the dispute id (CDS…..) which is collected after raising the dispute in CIBIL. Here you can describe your query in detail in the box.

Step2: 

Now, I describe briefly how to fill out the form? what to write in the complaint box? and how to upload documents in this form? Where I take the help of my customer Mukul Banerjee’s credit report.  

In this report, an unknown loan account is shown, which does not belong to the customer. So, I write a complaint to CIBIL about this problem.

i.                   How to fill out the form:

In this section, you need to fill in your personal details carefully. Customer name, Gender, DOB, Mobile Number, Email Id, Identity Proof (preferable PAN card), Identity Proof No. if you are a new applicant, then keep the Service Request box blank.

There is an option to put Dispute Id. So, my advice is to you to raise a dispute in CIBIL first, then write this complaint to CIBIL. When you raised a dispute then you must get a Dispute Id (CDS….). Here, you may use that Dispute Id.                                                                                                           

Picture 10: Fill the box with personal details.

 ii.                   what to write in the complaint box:

In the query box, you can briefly describe your problems in 3000 characters. Here, I show you Mukul Banerjee’s letter as an example. You can write this letter in MS Word, then copy and paste it here in the box.   

                                             

Picture 11: Describe your problem in the query box  

iii.                   How to upload documents in this form: 

 

Here, with the complaint letter, you can upload your supporting documents like KYC (PAN Card, Aadhaar Card), your latest CIBIL report, payment receipt, No Due Certificate/NOC, etc. When you are uploading your documents, you must care about the following rules on CIBIL’s site. Those are-

 

·       Ensure the documents are not password-protected.

·       Upload the latest address proof wherein the address and transactions are not older than 3 months from the current date.

·       Upload documents with extensions such as PNG, JPG, JPEG, PDF etc.

·       Max. the file size is 5MB per upload.

·       Max. 5 Attachments are permitted at a time.

                       Picture 12: Upload your relevant documents with the letter.  

 

 After uploading the documents, enter the characters shown in the image and click on “Submit”. After the successful submission of the complaint letter, you get a Service Request No immediately. You should save the Service Request No because it is necessary for the re-complaint and grievance process.   

Now, I hope you understand the entire process, which will help you to correct your credit report.

        

Read More:

1. How to do Grievance in CIBIL     

2. Improve CIBIL score from 0 to 750+    

3. How to remove the "written off" status from the CIBIL report