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.
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 4: Dashboard of write to us.
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.
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
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.
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.
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.
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.
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
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