Experian Credit Report Disputes and Resolution

Experian Credit Information Company of India Private Limited (ECICIL) is one of India's 4 credit bureaus. It creates reports using your credit details, which lenders and credit card issuers use to assess your eligibility for new credit. Errors in this report can lead to inaccurate eligibility assessments. What information can you correct and how? Let’s learn more in detail.

Here is some information you can get rectified by raising a dispute:

• Late payments

• Inaccurate account balances 

• Incorrect credit limits

• Open accounts reported as closed

• Personal details 

• Loan application enquiry

 

In such cases, it is important to get these issues resolved as soon as possible. For this, it is essential to understand Experian's dispute and query resolution system. The first step is to reach out to the customer support team.

Here are 3 points of contact through which you can raise a dispute with Experian:

Number

Contact the customer care team by dialling 022 6641 9000 between 9:30 am and 6:30 pm. The facility is available on weekdays, i.e. Monday to Friday. Share your concern with the representative from Experian. Following this, the official will guide you through the proceedings

Email & Address

Consider sending an email to consumer.support@in.experian.com explaining your concern. Also, ensure that you provide the Experian report number for a smoother resolution process. The consumer support team will assess and address your problem. You can also send in your request via a letter to sent to the following address:

 

Consumer and Customer Support Team, 

Experian Credit Information Company of India Private Limited.,

Equinox Business Park, Tower no. 3, 

Floor no. 5, East Wing, 

LBS Marg, Kurla (West), 

Mumbai – 500070

Website

To raise a dispute online, follow these simple steps:

• Visit the official website of Experian - https://www.experian.in/

• Select the ‘Consumer Services’ option

• Click on the ‘Learn More’ option under ‘RAISE A DISPUTE ON YOUR CREDIT REPORT’ to access the application form

• Enter the Experian Reference Number (ERN) and Unique Transaction ID (UTI). If you do not have these details, click on the ‘Click here’ option to find your ERN and UTI.

• Now click on ‘Verify’ 

• Provide information on the details you would like to change and click on ‘Submit’

• A pop-up window will appear which consists of the new details. Check it carefully before clicking on ‘Submit’

 

An e-mail will be sent to your registered e-mail ID with the details of the dispute raised. Also, regular updates on the status of your request will be shared by e-mail.

Experian may ask you to submit the following documents to resolve a dispute:

• Utility bills

• Bank statements

• Marriage certificate 

• Death certificate

• Police report stating the details of a new account opened fraudulently

• Letters from creditors indicating corrections

The documents listed are some common requirements. Experian may ask you to provide other documents depending on the nature of your dispute. Ensure to keep your documents ready for a swift resolution process.

Here are some essential things to keep in mind when filing a dispute with Experian:

• Always provide the 15-digit number assigned to your Experian Credit Report. This will help the credit bureau find and evaluate the required data faster.

• For all disputes raised, the ECICIL provides a written acknowledgement within 24 hours

• This acknowledgement states that the query/complaint has been noted. It further mentions that steps are being taken to resolve the issue.  

• Depending on the nature of the dispute, these are sent to the liable credit institution. This is usually done within 7 days.

• Such discrepancies are usually resolved within 30 working days 

• Once the change is made in your credit report, you are informed via phone, e-mail, or post

If your dispute is not resolved satisfactorily, approach the grievance redressal system. The contact details for all the 3-levels involved are as follows:

Once you have raised a complaint, the outcome will be signified by a status. Here are the different statuses and what they mean: