Money & banking › Credit report (CIBIL) error
Loan rejected because of a wrong credit report
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 minutesPapers to gather
- Your latest credit report (all pages)
Shows exactly what is reported. Where: Credit bureau website (one free report a year from each).
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.
- 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
- What is wrong in the report?
- 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
- CIBIL shows late payments I never made
- My name or PAN is wrong in my 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