A solid credit score, as you know, is essential whether you want to finance a car, avail of a home loan, or just have access to credit cards. But do you ever wonder where to turn for help regarding your credit report? Where should you register your grievances? In such situations, CIBIL customer care is available to respond to your queries and address your issues.
However, what exactly is CIBIL customer service, and why is it so essential to your financial journey? Let's explore the details of CIBIL customer care in this blog.
What is TransUnion CIBIL customer care?
TransUnion CIBIL Limited, simply called CIBIL, is a company that keeps records of credit information for about 600 million people and 32 million businesses. Like every business or financial institution’s customer support, CIBIL customer care is an assistance service for users of credit facilities like loans and credit cards.
CIBIL customer care should be your first point of contact whenever you have any questions about your credit. For example, if you spot an error on your credit report, like a loan that doesn’t belong to you, you have CIBIL customer care to help you out. They make sure that your credit report is accurate. Besides, they help you understand the ins and outs of your credit rating.
How to contact CIBIL customer care?
CIBIL understands the importance of timely and reliable customer support. So when you need immediate assistance regarding your credit report or any credit-related queries, just dial the TransUnion CIBIL customer care number or email them.
Here are different ways to contact CIBIL customer support:
1. TransUnion CIBIL customer care number
You can connect with knowledgeable representatives by dialling the CIBIL customer care number. If you have any problems, questions, or complaints about your credit, you can contact CIBIL customer care for assistance.
Simply dial (+91)22-6140-4300. The helpline is available Monday to Friday, from 10:00 AM to 6:00 PM.
2. CIBIL customer care email ID
To get your complaints resolved, sending an email can be a smart choice. Why? You can send emails anytime, making it convenient for many customers. So, reach out through the CIBIL email id for complaints.
Compose your message and send it to CIBIL complaint email id- info@cibil.com.
3. File a complaint online
CIBIL provides a straightforward process to address your concerns. Here’s how you can file a CIBIL complaint online:
#1. Login to myCIBIL
#2. Go to the credit report section, navigate through sub-sections, and click on ‘raise a dispute
#3. Complete the online dispute form
#4. Select the section and type of dispute
#5. Click on submit
4. Offline contact or walk-in
If you are an individual who prefers assistance in person, you can visit the TransUnion CIBIL office to clarify your problems. You need to carry documents like a PAN card, passport, driving license, voter ID, etc.
Different entities need to provide different documents at the CIBIL office. See the detailed list below:
Entity
Required Documents
Corporate entities (private and public ltd)
PAN of the corporate entity attested by the CS, or copy of PAN/driving license/passport of authorized signatory who has made a request for company credit report (CCR)
Proprietorship firms
PAN copy of the proprietor
Partnership firms
Copy of trust's PAN, or copy of PAN of the trustee who has made a request for CCR
HUF (Hindu Undivided Family) and registered society
PAN copy of HUF, or Karta
Government bodies/public sector units
PAN copy of the governmental entity or copy of PAN/driving License/passport of authorized signatory
Entities created by statues (excluding regulators)
PAN copy of the entity or copy of PAN/driving license/passport of authorized signatory
Unincorporated association or a body of individuals
Authorized signatories list with specimen signatures, PAN copy of the authorized signatory
CIBIL grievance and redressal process
Previously, we discussed methods for registering a complaint. However, if you remain dissatisfied with CIBIL’s service, you can escalate the matter to higher authorities. You can do so via CIBIL’s website. There are three levels of escalation-
1. Level 1
You can escalate to a manager - consumer services.
#1. Fill out the escalate to level 1 form online to submit your grievance.
#2. Include a valid service request number.
#3. CIBIL will address your escalation within 15 business days for level 1 complaints.
#4. If you don’t have a service request number, you can obtain one by following the procedure outlined on the CIBIL dispute resolution process page.
#5. For other queries, you can utilize the query form on CIBIL’s official website if you don't have an SR number.
2. Level 2
If you're still dissatisfied with the resolution at Level 1 escalation, you can escalate your grievance to the next level: the assistant vice president - consumer services. Follow these steps:
#1. Visit the official website of CIBIL and fill out the escalate to level 2 form.
#2. Provide the SR number and online grievance ID level 1, which is generated when you submit the level 1 escalation for the same issue.
#3. CIBIL will respond to your level 2 escalation within ten business days.
#4. It's important to allow CIBIL to respond and wait for the specified timeline of 15 working days before raising another escalation at the next level.
3. Level 3
You can escalate your concern to the chief operating officer (COO) if it remains unresolved. Here's what you need to do:
#1. Fill out the escalate to level 3 form on CIBIL's official website.
#2. Include the SR number and online grievance ID from the level 2 escalation.
#3. CIBIL will respond within eight business days after receiving your level 3 escalation.
#4. It's important to wait for a response from CIBIL for ten business days at level 2 before escalating the concern to level 3.
If CIBIL has confirmed that the information reported by your lender is correct, you need to contact them directly for any further disputes.
Unlocking financial success
Having an honest financial partner by your side is crucial when it comes to managing your credit and financial objectives. And Tata Capital is the one for you. With Tata Capital, you can check your credit score and get your credit report online. Besides, you can avail of personal loans, home loans, vehicle loans, and more at attractive interest rates. Visit our website to know more.
30 May 2023
6 mins read
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