Wrong Address or Mobile Number on Credit Bureau Report
Your credit report shows an old address, an address you never lived at, a wrong mobile number, or incorrect date of birth. Wrong demographic data can cause identity verification failures, mismatch in bank KYC, and delays in loan approvals.
⚖️Your Rights Under RBI Regulations
Under CICRA 2005, you have the right to dispute and correct any incorrect information in your credit report.
Under DPDPA 2023, you have the right to correction of inaccurate personal data held about you.
Credit bureaus must investigate and update within 30 days of a valid dispute.
The lender who reported wrong data must correct it at the source.
💰 What You Can Recover
Correction of credit report. If wrong address led to KYC failure or loan rejection, compensation for consequential loss.
⏱ Response Deadline
Dispute immediately on discovery.
📋Step-by-Step — What to Do
Log into cibil.com and raise a dispute for the incorrect demographic field.
Simultaneously write to the lender who last reported your data, attaching proof of correct address/mobile (Aadhaar, utility bill).
If the bureau does not update within 30 days, write to them citing CICRA 2005.
File with RBI Ombudsman if the lender refuses to update at source.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman — cms.rbi.org.in
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