
Personal / Identity Errors
Mistakes in your basic details that can cause your report to get mixed up with someone else’s.
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Wrong name spelling or gender
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Incorrect date of birth
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Wrong address or old addresses still showing
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Wrong PAN, Aadhaar, phone, or email
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Report showing accounts that belong to another person with a similar name
Account-Related Errors
Problems in how your loans or credit cards are listed.
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Loan or credit card you never took (possible fraud or clerical error)
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Same account appearing twice (duplicate entry)
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Wrong loan type or account number
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Account marked “open” even after full closure
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EMI or card payments not updated despite paying
Payment History Errors
These directly affect your score and are usually the most urgent to fix.
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EMI marked “late” or “default” even when paid on time
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“Settled” or “Written-off” status despite full payment
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Wrong DPD (Days Past Due) entries
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Incorrect overdue amounts
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Loan shown as non-performing asset (NPA) by mistake
Credit Enquiry Errors
Mistakes in the “Enquiries” section where lenders check your score.
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Too many hard enquiries listed that you never made
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Duplicate enquiry entries for the same loan request
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Enquiries from unknown lenders (possible identity misuse)
Fraud / Identity Theft
These are serious and need both CIBIL and police complaint follow-ups.
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Loan/credit card fraudulently opened in your name
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Unrecognised accounts with outstanding amounts
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Enquiries from lenders you never interacted with
Outdated Information
Data that should have been updated but wasn’t.
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Closed loans still showing as active
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Cleared dues not reflecting
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Old overdue status remaining despite payment
Accounts not updated after restructuring or settlement

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