Credit Report Wrong and Not Fixed in 30 Days?

Last reviewed: 13 August 2026.

The lender or other credit institution supplies account data. A credit information company, such as a credit bureau, compiles the report. RBI allocates time between them:

• the credit institution has 21 calendar days to send corrected particulars after it is informed; and
• the credit institution and credit information company together have 30 calendar days for resolution.

The compensation is apportioned between the responsible entities when applicable. The resolution date is the date the corrected credit information report is sent to the postal or email address supplied by the complainant.

1. Download the report and mark each disputed account, date, balance or status.
2. Gather the loan statement, closure or no-dues letter, payment proof, identity details and earlier correspondence.
3. File through the bureau or lender's official dispute channel and obtain a dated complaint or dispute number.
4. State the exact correction sought. “Improve my score” is not a factual rectification request.
5. Supply correct contact and bank-account or UPI details for compensation, as RBI places responsibility for accurate details on the complainant.
6. Save the corrected report when sent and calculate delay only after checking the framework.

If more than one credit institution supplied inaccurate data, RBI says the complainant should register with the credit information company, which coordinates with the institutions and gives a comprehensive resolution.

RBI lists non-maintainable categories, including disputes about the computation of the credit score or score model, certain matters for which another CICRA remedy exists, and matters already decided by or pending before specified courts, tribunals or consumer fora. A low score alone is not proof of inaccurate credit information.

The framework also does not convert a genuinely disputed loan into an automatic correction. Ask the institution to state the factual and contractual basis of the reported entry.

The entity must communicate action taken and, if it rejects the complaint, provide reasons. Compensation should be credited within five working days of resolution when payable under the framework.

For wrongful denial by an entity covered by the Reserve Bank Integrated Ombudsman Scheme, use RBI's Complaint Management System after following the required entity-level complaint step. RBI's circular points to the Consumer Education and Protection Cell where the credit institution is not yet covered by the Ombudsman scheme.

Do not pay a “CIBIL cleaner”. Dispute inaccurate data using the lender and bureau records. For a bank complaint that remains unresolved, see the evidence-first banking complaint format and adapt only the structure, not the subject matter.

Use calendar days for the 30-day test but working days for the five-day credit requirement, exactly as the RBI circular distinguishes them.

• RBI circular: compensation for delayed credit information rectification
• RBI Monetary and Credit Information Review, October 2023
• RBI Complaint Management System
• Reserve Bank of India

No. The rule concerns delay in updating or rectifying credit information under the framework. Score-model disputes are specifically excluded.

From the initial filing of the complaint with the credit institution or credit information company, provided it is a qualifying complaint.

Preserve the complaint and follow up, but the circular ties the calculation and payment process to final resolution and communication of the delay.

• Video KYC rejection and RBI rules
• Bank account frozen after KYC submission
• Account closure and continuing charges
• Track a consumer grievance without losing the record

Book: RTI Explained — A Practical Guide for Every Indian