How to Remove an Enquiry from Your CIBIL Credit Report

Your CIBIL report is a fundamental document that lenders use to determine your creditworthiness and loan eligibility. Any incorrect or unauthorised enquiry on your report can negatively impact your CIBIL score and raise concerns for lenders reviewing your credit profile.

Understanding how credit enquiries work and the correct process for disputing them can help you remove inaccurate entries. It can also help maintain a healthy credit profile and improve your chances of accessing credit when needed.

What are Credit Enquiries on a CIBIL Report?

Your CIBIL report records every credit enquiry made by lenders or financial institutions. These enquiries are classified into two types. Understanding them can help you identify whether any action is needed to update or correct your CIBIL report.

You can only remove hard enquiries that were recorded without your consent or by mistake. Soft enquiries don’t have to and cannot be disputed because they don’t impact your credit.

When Can You Remove an Enquiry from Your CIBIL Report?

Certain hard queries cannot be erased. There are only two instances when you can open a dispute and request deletion:

• The enquiry was made without your knowledge or consent.
• The lender or credit bureau uploaded wrong information, or your profile was confused with another borrower’s.

Your record shows legitimate enquiries for up to two years if you have requested credit or any other type of enquiry on your file. Valid enquiries cannot be deleted from your record merely because you do not want them there.

Steps to Remove an Enquiry from Your CIBIL Report

The following steps can help you in identifying, disputing, and resolving issues associated with unauthorised enquiries.

Step 1: What to Do If You Are Unable to Access and Review Your CIBIL Report

Download your complete credit report from the TransUnion CIBIL website. Under Indian law, you are entitled to one free complete copy of your credit report once in each Financial Year from each Credit Bureau of India. After downloading your credit report, go to the Enquiry Information Section.

Beginning 1 January 2025, the Reserve Bank of India (RBI) requires lenders to report credit information to credit bureaus such as TransUnion CIBIL every 15 days. This increased reporting frequency allows credit information to be updated more quickly, making it easier to identify and address any errors or discrepancies in your CIBIL Report before applying for a loan or other credit facility.

Carefully examine each record under the Enquiry section. Record the lender name, username, date of the enquiry and what type of credit you applied for with that lender. Check your own credit enquiry history against what the lenders have recorded on your credit report. If there are lenders in your CIBIL Report with whom you did not apply previously, this indicates that an unauthorised enquiry was made on you and should be disputed immediately, as it could hurt your CIBIL Score.

Read Also: How to Check and Download CIBIL Credit Report Online

Step 2: Check Other Sections of the Report for Errors

Fraud or identity misuse is often not limited to a single account or transaction. If you identify an unauthorised enquiry, review the rest of your credit report as well. The table below highlights the key items to check in each section of the report.

Document every discrepancy you find before proceeding to the dispute stage.

Step 3: Raise a Dispute with TransUnion CIBIL

If you identify an unauthorised enquiry, then raise a formal dispute through the CIBIL Online Dispute Centre. Here is what you can do:

• Log in to your myCIBIL account
• Open your report
• Navigate to the "Dispute Centre"
• Select "Enquiry"
• Choose the incorrect entry
• Submit your dispute request

When you submit, be sure to have copies of your most recent report and the Enquiry Control Number (ECN) available to refer to during the resolution process.

If you wish to dispute an enquiry offline, you can call the CIBIL customer service team at +91 22 6140 4300 between 10:00 a.m. and 6:00 p.m. (IST), Monday through Saturday, or email CIBILinfo@transunion.com. In your request, provide details of the enquiry you believe is incorrect, along with any supporting evidence.

Step 4: Track Your Dispute and Await the Outcome

Once you have filed your dispute with CIBIL, it is verified with the concerned lender.

The entire dispute resolution process is generally completed within 30 days, subject to the lender’s response and verification. You can track the status of your dispute using the unique dispute reference number provided by CIBIL. If the lender confirms that an error exists, CIBIL updates your credit report based on the information provided by the lender and notifies you once the correction has been made.

What Can I Do If I Am Unable to Access My CIBIL Report?

If you are unable to access your CIBIL report and are wondering "what can I do to resolve this?", start by checking whether the issue is related to your account credentials or a temporary access restriction. 

In some cases, there are several actions that could trigger this block, including repeated login attempts or verification issues. If the problem continues, you can email the site owner or contact the TransUnion CIBIL customer support team and let them know you were blocked while trying to access your report. Be sure to include what you were doing when this page came up so the issue can be solved more quickly.

To Conclude

Unauthorised enquiries on your CIBIL report should not be ignored. They can raise concerns for lenders, potentially affect your credit score if they are hard enquiries, and may indicate identity theft or misuse. By regularly reviewing your credit report and disputing incorrect enquiries, you can help protect your credit profile.

A healthy CIBIL score plays an important role in loan approvals and access to better credit terms. Regularly monitoring your credit record can help you maintain a strong credit profile. For greater confidence in your financial decisions, you can check your CIBIL score for free on the Poonawalla Fincorp website. This allows you to stay informed about your credit health and make better financial choices.

FAQs

Why have I been blocked from accessing my CIBIL report?

You may be temporarily blocked from accessing your CIBIL account due to multiple unsuccessful login attempts, verification issues or security checks. If a "You Have Been Blocked" message comes up and the issue does not resolve after some time, contact TransUnion CIBIL support for assistance.

Why am I seeing a “Sorry, you have been blocked” message while accessing my CIBIL report?

This message may appear if the website’s security system detects unusual activity or is unable to verify your access request. If the issue persists, contact TransUnion CIBIL customer support for assistance.

Does an error message mention a SQL command or malformed data?

This message typically indicates that the website’s security system has identified a request that appears unusual or potentially invalid. It does not necessarily mean you did anything wrong or that your CIBIL report has been affected.

What information should I provide if I am blocked from accessing my CIBIL report?

If you contact support, please include what you were doing when the page came up, any error messages displayed, and the Cloudflare Ray ID found at the bottom of the page, if available.

Why does the error page mention a certain word or phrase, a SQL command, or malformed data?

Some website security systems automatically block requests that appear suspicious. Certain words, phrases, or unusual data patterns may trigger the security solution even if the request was unintentional.

Why does the message say that the action I just performed triggered the security solution?

This message typically appears when the website’s security service detects activity that it considers unusual. The restriction is intended to protect the website from online attacks and does not necessarily indicate a problem with your CIBIL report.

What should I do if I see a ‘Click to Reveal’ option on a CIBIL report access error page?

Select the option to view additional details about the issue. If the problem continues, contact customer support and share the information displayed on the error page.