Wrong or Unauthorised Enquiry Appearing on Credit Report
Your credit report shows enquiries from banks or NBFCs that you never approached for a loan. Someone may have checked your credit report without your consent, or a lender ran a hard enquiry after you declined to proceed with an application.
⚖️Your Rights Under RBI Regulations
Hard credit enquiries can only be made with your explicit consent at the time of loan application.
Unauthorised enquiries are a violation of CICRA 2005 and DPDPA 2023.
Multiple unauthorised enquiries can reduce your credit score by 5-10 points each.
You can demand that unauthorised enquiries be removed from your report.
💰 What You Can Recover
Removal of unauthorised enquiries. Compensation for score damage and any resulting credit denial under Consumer Protection Act.
⏱ Response Deadline
Dispute as soon as discovered.
📋Step-by-Step — What to Do
Download your detailed CIBIL report showing all enquiries with dates and institution names.
Identify enquiries you did not authorise.
Write to each institution demanding explanation of the legal basis for the enquiry and your consent record.
Raise dispute with CIBIL to flag the unauthorised enquiry.
File with RBI Ombudsman against the institution.
File with Data Protection Board if consent was not obtained.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman + Data Protection Board (DPDPA complaint)
Facing this issue with your Bank, NBFC, MFI, SFB or Fintech?
AI merit analysis + expert-drafted RBI-backed communication. Starting at ₹199.
File Complaint →Check my rights first →Use our Free Instant Rights Tool — type your problem, get your exact rights in seconds.
Check My Rights Free →