When writing a letter to the bank regarding incorrect details in your CIBIL report, it's crucial to maintain a polite tone and clearly explain the issue. Provide essential details such as your name, account number, and the specific discrepancies in the CIBIL report. Attach any relevant documents, such as a No Objection Certificate (NOC) or payment records, to support your claim. Request the bank to rectify the errors to prevent any negative impact on your credit score.

Table of Contents:

Sample Letter to Bank Regarding Wrong Details in CIBIL Report

The Branch Manager,
_____________ (Bank Name),
_____________ (Address)

Date: __/__/____ (Date)

Subject: Wrong CIBIL report due to _______ (details)

Respected Sir/Madam,

I would like to bring into your kind consideration that my name is __________ (Name) and I am a loan account holder in your branch for last __________ (Months/Years). My account number is ___________ (Account Number).

Respected, I am hereby writing this letter in reference to the CIBIL report I requested on __/__/____ (Date). I would regret to inform you that the CIBIL report I received is stating ________ loan details which are adversely affecting the CIBIL report). As per my records and data, I have already _______ (repaid all loan amount/cleared dues). I also do carry a NOC issued to me by your bank.

I request you to kindly look into the matter so that my credit score will not get affected and get improved. I am enclosing __________ (Copy Of NOC/ No dues letter/ EMI Payment Records) pertaining to above-said loan account.

Thanking You,
____________ (Signature)
____________ (Name),
____________ (Address)

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  • What is a CIBIL report?
    • A CIBIL report is a credit report that provides details of an individual's credit history and credit score.
  • Why is it important to rectify errors in a CIBIL report?
    • Rectifying errors in a CIBIL report is crucial to ensure the accuracy of credit information, which can affect creditworthiness and loan approval.
  • How can I provide evidence to support my claim of incorrect details in the CIBIL report?
    • You can provide evidence such as payment records, No Objection Certificates (NOCs), or any relevant documents issued by the bank.
  • What should I do if the bank does not respond to my request for CIBIL report rectification?
    • If the bank does not respond promptly, you may consider following up with them through email, phone calls, or visiting the branch in person.
  • Can errors in a CIBIL report be corrected?
    • Yes, errors in a CIBIL report can be corrected by contacting the bank and providing supporting documents to prove the inaccuracies.

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