Kaagazaat

Credit Report (CIBIL) Dispute Letter

At a glance

Price: Free, always.
Stamp duty: None — a dispute letter is not an instrument under section 2(14) of the Indian Stamp Act, 1899.
Registration: Not registrable and not required — it creates no interest in property.
Witnesses: Not required; keep proof of sending (a dated acknowledgement, courier receipt or email) because the bureau's time limit runs from when it receives the dispute.

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Free, always.

Free: up to 5 documents a day.

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Also called

CIBIL dispute letter
credit score correction letter
credit information report error letter
credit bureau dispute
wrong entry in credit report
सिबिल रिपोर्ट सुधार पत्र
ਸਿਬਿਲ ਰਿਪੋਰਟ ਸੁਧਾਰ ਪੱਤਰ

When you need it

Your credit report shows something wrong — an account that is not yours, a loan shown as overdue that you paid, a wrong balance, a closed loan still shown as open, wrong personal details, or an enquiry you never made — and it is hurting a loan application or your score. The letter goes to the credit bureau (a credit information company) that issued the report and asks it to register a formal dispute, take it up with the lender that supplied the entry, and correct or delete it.

The bureau and the lender each have their own time limits for resolving a dispute under the Credit Information Companies (Regulation) Act, 2005 and the Reserve Bank's directions; the letter asks for an answer within the time those rules allow and does not state a number of days. Not for a loan that was repaid and closed where you only want the bureau record updated to "closed" (use Request to Update the Credit Bureau After Closure), and not for a debt you genuinely owe.

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You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

None — a dispute letter is not an instrument under section 2(14) of the Indian Stamp Act, 1899. Plain paper or email.

Registration

Not registrable and not required — it creates no interest in property.

Notarisation

Not required.

Witnesses

Not required; keep proof of sending (a dated acknowledgement, courier receipt or email) because the bureau's time limit runs from when it receives the dispute.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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Date: 2 April 2026

To,

The Grievance Officer, Dispute Resolution
TransUnion CIBIL Limited
X

Subject: Dispute of an error in my credit report dated 1 April 2026, control number X

Sir or Madam,

1. I am Gurpreet Kaur, of House No. 88, Phase 3B2, SAS Nagar (Mohali) 160059. My PAN is X. I obtained a credit report from you dated 1 April 2026.

2. The report contains an error in the account with State Bank of India, Sector 17, Chandigarh, account number xxxx4521. The error is that an account that is not mine appears on my report.

3. The details of the error are: The report shows the loan as 90 days overdue for March 2026, but I paid every instalment on its due date. The bank's own statement shows the payments.

4. The report should instead show: The account should show every instalment as paid on time and no overdue amount.

5. In support of this dispute I enclose: Loan account statement, payment receipts, copy of the credit report with the entry marked.

6. Position with the lender: I have already written to the lender about this error.

7. I request that you:

(a) register this as a formal dispute and acknowledge it in writing;

(b) take it up with the lender that supplied the entry and have the entry verified;

(d) show the entry as disputed while the dispute is open, if your procedure allows; and

(e) tell me the outcome and the reasons in writing within the time allowed by the Credit Information Companies (Regulation) Act, 2005 and the Reserve Bank of India's directions.

8. If the dispute is not resolved within that time, I reserve the right to complain to the Reserve Bank of India's ombudsman under the scheme then in force.

Yours faithfully,

SIGNATURE

______________________________
Signature
Applicant: Gurpreet Kaur, mobile X, email X
Place: ____________________
Date: 2 April 2026

______________________________
Signature
Copy to: State Bank of India, Sector 17, Chandigarh
Place: ____________________
Date: 2 April 2026

Questions about this document

Does the Credit Report (CIBIL) Dispute Letter need stamp paper or stamp duty in Punjab and Chandigarh?

None — a dispute letter is not an instrument under section 2(14) of the Indian Stamp Act, 1899.

See the full position on stamp duty, registration and witnesses

Does the Credit Report (CIBIL) Dispute Letter need registration in Punjab and Chandigarh?

Not registrable and not required — it creates no interest in property.

See the full position on stamp duty, registration and witnesses

What does the Credit Report (CIBIL) Dispute Letter cost on Kaagazaat?

Free, always.

Does the Credit Report (CIBIL) Dispute Letter need witnesses?

Not required; keep proof of sending (a dated acknowledgement, courier receipt or email) because the bureau's time limit runs from when it receives the dispute.

See the full position on stamp duty, registration and witnesses

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