Money & banking › Credit report (CIBIL) error
CIBIL shows a loan I never took
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Before anything elseThis may be identity fraud — also report on cybercrime.gov.in.
Make my own list — free, 2 minutes
Your situation
- What is wrong in the report? A loan or card that isn't mine
Papers to gather
- Your latest credit report (all pages)
Shows exactly what is reported. Where: Credit bureau website (one free report a year from each). - ID and PAN copies, and a police/cyber complaint if someone used your identity
Identity misuse needs a formal complaint. Where: Your records; cybercrime.gov.in.
You may also need, depending on your answers
- Dispute reference numbers and replies — Starts the 30-day clock.
- Raise an online dispute with the credit bureau and the lender — Required first step.
What the law says
Credit information companies and lenders must correct errors within set timelines, and RBI rules provide ₹100 per day compensation for delay beyond 30 days.
General information, not legal advice.
Saboot will also ask
- Have you raised a dispute?
Similar situations
- Closed loan still shows active in CIBIL
- Settled loan is hurting my credit score
- CIBIL shows late payments I never made
- My name or PAN is wrong in my credit report
- Loan rejected because of a wrong credit report
- Disputed with the credit bureau but nothing changed in 30 days
Sources
The full guide: My credit score or CIBIL report is wrong · All situations