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?