Grievance | CheckCIBILScore

REGULATORY COMPLIANCE FRAMEWORK

Formal 3-Tier Grievance Redressal Matrix

In accordance with the Credit Information Companies (Regulation) Act, 2005 (CICRA 2005) and the Consumer Protection Act, 2019, we maintain a transparent, accountable escalation mechanism for every consumer concern.

LEVEL 01

Customer Support Desk

Your primary point of contact for technical issues, login problems, billing queries, and report generation questions.

Contact: support@checkcibilscore.in
Turnaround: 24–48 Business Hours
Mode: Email & In-App Ticket

LEVEL 02

Grievance Redressal Officer

For unresolved Level 1 issues, persistent billing disputes, data privacy concerns, or dissatisfaction with service resolution.

Officer: Mr. Rahul Sharma
Email: grievance@checkcibilscore.in
Phone: +91 22 6912 4400
Turnaround: Within 15 Calendar Days

LEVEL 03

External Regulatory Escalation

If a disputed trade line on your credit report originates from a bank or credit bureau, or an issue remains unresolved past statutory windows.

CIC Disputes: Direct Bureau Portal
Banking: RBI Integrated Ombudsman
Portal: cms.rbi.org.in

Interactive Credit Dispute Preparation Checklist

If you identified an incorrect loan, balance, or overdue tag on your credit report, check off the necessary items below before filing an official dispute with the reporting bank or credit bureau:

Download your latest 4-bureau credit comparison dossier with timestamps from CheckCIBILScore.inNote down the exact Lender Institution Name and Account Number of the disputed trade lineIdentify the exact discrepancy type (e.g. closed account marked active, wrong DPD string, identity mix-up)Gather documentary proof (e.g. Bank No-Dues Certificate (NDC), loan closure letter, or account statement)File a formal online dispute directly on the official portal of the bureau that displays the error (CIBIL, CRIF, Experian, or Equifax)Retain your Dispute Control Number (DCN) — under RBI regulations, banks must resolve disputes within 30 days

DIRECT CHANNELS

Official Credit Bureau Dispute Portals

In India, credit bureaus are legally mandated under CICRA 2005 to process consumer disputes free of charge within 30 days of submission:

TransUnion CIBIL Consumer Dispute: cibil.com/dispute-resolution
CRIF High Mark Dispute Desk: crifhighmark.com
Experian India Dispute Redressal: experian.in/consumer/dispute
Equifax India Consumer Services: equifax.co.in

REGULATORY ESCALATION

Reserve Bank of India Integrated Ombudsman Scheme (RB-IOS)

If your bank or credit bureau fails to resolve a valid credit report error within 30 calendar days of lodging your dispute, or rejects your grievance without lawful justification, you may file a complaint with the Reserve Bank of India:

RBI Integrated Ombudsman Portal (Complaint Management System)
Website: https://cms.rbi.org.in
Toll-Free Helpline: 14448 (9:30 AM – 5:15 PM)
Centralized Receipt and Processing Centre: Reserve Bank of India, 4th Floor, Sector 17, Chandigarh - 160017

Every concernneeds a clear path.