Credit Bureau Dispute
Found an error on your credit report? Here is how to get it fixed.
What Is a Credit Report Dispute?
Your credit report is maintained by credit information companies — CIBIL, Experian, Equifax and CRIF High Mark — based on data reported by lenders. Sometimes that data is wrong: a closed loan still showing active, a payment marked late that was made on time, or an account that is not yours at all. A dispute is a formal request to the bureau to verify and correct such an entry. Bureaus are required to resolve disputes, typically within 30 days.
How to Raise a Dispute
- Get your latest credit report from the bureau concerned — each bureau offers one free report a year.
- Identify the exact entry that is wrong and collect proof (closure letter, payment receipt, bank statement).
- File the dispute on the bureau's online portal — CIBIL, Experian, Equifax or CRIF High Mark each have a dedicated consumer dispute page.
- The bureau forwards the dispute to the reporting lender for verification.
- Track the dispute reference number until the bureau confirms correction or explains why the entry stands.
- If unresolved, escalate to the lender's grievance cell and thereafter to the RBI Ombudsman.
How Janmudra Assists
If a bureau error is blocking a loan you applied for through Janmudra, our advisors will help you read the report, identify the disputed entry, prepare the supporting documents and file the dispute with the right bureau. We also follow up with our partner lender when the disputed entry was reported by them.