CIBIL Dispute Complaint Format

To,
The Grievance Redressal Officer,
TransUnion CIBIL Limited,
One World Center, Tower 2A, 19th Floor,
841 Senapati Bapat Marg, Elphinstone Road,
Mumbai – 400013

Copy to: The Nodal Officer, [Lender / Bank Name] (the member that reported the entry)

Date: [DD/MM/YYYY]

Subject: Dispute of incorrect entry in Credit Information Report – CIBIL Control No. [XXXXXXXXX] – Account [XXXXXXXXXX] of [Lender Name] – Request for correction under the Credit Information Companies (Regulation) Act, 2005

Dear Sir / Madam,

I, [Your Full Name], son/daughter/wife of [Father's or Husband's Name], date of
birth [DD/MM/YYYY], PAN [XXXXXXXXXX], residing at [Your Complete Address], have
obtained my Credit Information Report bearing Control Number [XXXXXXXXX] dated
[DD/MM/YYYY]. The report contains the following entry which is factually
incorrect.

DISPUTED ENTRY:
• Member / Lender name  : [Lender Name]
• Account number        : [XXXXXXXXXX]
• Account type          : [Credit Card / Personal Loan / Home Loan / Auto Loan]
• Reported status       : [Written Off / Settled / DPD 90+ / Suit Filed /
                          Overdue Rs. [Amount]]
• Date last reported    : [MM/YYYY]
• Amount shown overdue  : Rs. [Amount]

WHY THE ENTRY IS INCORRECT:
[Choose and complete the ground that applies:
(a) The account was closed on [DD/MM/YYYY] and a No Dues Certificate / closure
    letter dated [DD/MM/YYYY] was issued by the lender, a copy of which is
    enclosed. Despite this, the account continues to be reported as outstanding.
(b) The account does not belong to me. I have never applied for or held any
    facility with [Lender Name]. I believe this is a case of mistaken identity or
    identity theft, and I have reported it at cybercrime.gov.in vide
    Acknowledgement No. [XXXX].
(c) The instalment reported as overdue for [Month, Year] was in fact paid on
    [DD/MM/YYYY] vide UTR [XXXXXXXXXXXX], as evidenced by the bank statement
    enclosed.
(d) The account is shown as "settled"/"written off" although the full outstanding
    of Rs. [Amount] was paid on [DD/MM/YYYY] and the correct status is "closed".]

HARM CAUSED:
As a direct consequence of this incorrect entry, my loan application dated
[DD/MM/YYYY] with [Bank Name] was [rejected / offered at a higher rate], and my
credit score stands reduced to [Score].

RELIEF SOUGHT:
1. Correction / deletion of the disputed entry in my Credit Information Report.
2. Issue of a corrected report to me, free of charge, once the correction is made.
3. Intimation of the correction to every institution that has accessed my report
   in the preceding [NN] months.
4. Written confirmation of the outcome within 30 days of receipt of this letter.

I note that under the Credit Information Companies (Regulation) Act, 2005 and the
Rules and Regulations framed thereunder, a credit information company and the
credit institution concerned are required to take steps to update, correct or
delete disputed information within the prescribed period, and the RBI has
prescribed a compensation framework for delay in resolving credit-information
complaints beyond 30 days.
[CICRA, 2005 and current RBI directions on rbi.org.in.]

ENCLOSURES:
1. Copy of the Credit Information Report, Control No. [XXXXXXXXX], with the
   disputed entry highlighted
2. No Dues Certificate / closure letter / payment proof, as applicable
3. Bank statement evidencing the disputed payment
4. Copy of PAN and Aadhaar
5. Copy of the loan rejection letter, if any

Yours faithfully,

[Signature]
[Your Full Name]
PAN: [XXXXXXXXXX]
Mobile: [+91 XXXXXXXXXX]
Email: [your@email.com]
Place: [City]