Money & banking › Credit report (CIBIL) error
CIBIL shows late payments I never made
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What is wrong in the report? Wrong late-payment entries
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). - No-dues / closure letter for the loan or card
Main proof for wrong active or overdue status. Where: Lender. - Statements showing EMIs paid on time
Answers wrong late-payment entries. Where: Bank statement.
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
- CIBIL shows a loan I never took
- Closed loan still shows active in CIBIL
- Settled loan is hurting my credit score
- 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