Money & banking › Credit report (CIBIL) error
Disputed with the credit bureau but nothing changed in 30 days
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 elseBureaus that miss the 30-day deadline must pay compensation of ₹100 a day.
Make my own list — free, 2 minutes
Your situation
- Have you raised a dispute? Yes, with the credit bureau
- How long ago was the dispute raised? More than 30 days
Where you stand
- Next step Unresolved after 30 days — you can claim compensation and complain to RBI.
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). - Dispute reference numbers and replies
Starts the 30-day clock. Where: Bureau/lender email.
You may also need, depending on your answers
- No-dues / closure letter for the loan or card — Main proof for wrong active or overdue status.
- Statements showing EMIs paid on time — Answers wrong late-payment entries.
- Settlement letter and payment proof — Shows whether "settled" is correct.
- ID and PAN copies, and a police/cyber complaint if someone used your identity — Identity misuse needs a formal complaint.
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
- What is wrong in the report?
Similar situations
- CIBIL shows a loan I never took
- 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
Sources
The full guide: My credit score or CIBIL report is wrong · All situations