How To Raise a Dispute on your CRIF High Mark Credit Report

Your credit report plays a vital role in shaping your creditworthiness. It helps lenders assess your creditworthiness and impacts your ability to access loans or credit cards. However, even a missed or delayed payment in your report can affect your score and lead to a credit score impact.

If you notice any information not in line with your track record, raising a CRIF High Mark dispute is a simple and efficient process. It allows you to correct your credit report, resolve inaccuracies, and maintain a strong financial profile.

Ways To Raise a Dispute

CRIF High Mark offers multiple channels to raise a credit report dispute: online, by phone call. It ensures convenience and accessibility for all consumers. If any discrepancy in your credit details, these steps guide you through raising a dispute effectively.

Raise a Dispute Online

The convenient and efficient way to raise a CRIF High Mark dispute is through the online portal. You can initiate and track your dispute easily using the steps below:

• Visit the CRIF High Mark website and log in using your registered credentials. If you don’t have an account yet, you can create one while generating FCR (Free Credit Report)/subscribed reports.
• Once logged in, go to the “My Report” section. This area contains all your recent credit reports.
• Select the “Raise a Query” tab and choose the report where you found discrepancies.
• Identify the specific account, personal detail, or transaction you wish to dispute. Select the appropriate field and submit the request.
• Click “Submit” the dispute online. Once submitted, CRIF High Mark generates a ticket number for your reference.
• You can track the status of your credit report dispute through the same portal using your ticket number. Updates will also be shared via email.

Raise a Dispute via Phone

For consumers who prefer talking to us, CRIF High Mark provides phone-based support to guide you through raising a dispute. You can contact us on - 020-4056-2001/02/03/04/05/06/07/08 9:00 am to 7:00 pm (Monday to Friday).

The contact centre helps you with:

• Support to access/generate Credit Report
• Steps to raise your CRIF Highmark dispute
• Information about the alternate redress mechanism of RBI under the Integrated Ombudsman Scheme 2021

Understanding the Grievance Resolution Process

Once CRIF High Mark receives your dispute or grievance, the following steps ensue through your dispute journey:

Acknowledgement of Request

Upon submission, a service request or ticket number is generated and shared via email. This number can be used for tracking.

Verification and Coordination

CRIF High Mark verifies the details as reported by respective Credit Institutions (CI) and coordinates with the respective CI to validate your dispute.

Resolution and Closure

The credit dispute is resolved within 30 days (21 days for Credit Institution and 9 days for CRIF High Mark); otherwise, the complainant will be compensated at Rs 100 per day for any such delays beyond 30 days from receipt of the request by CI/CRIF High Mark, as the case may be. CRIF High Mark shares the dispute rejection remarks received from respective Credit Institution vetted by Internal Ombudsman/ correction outcome, along with the rectified report, with you through email.

Escalation Options

If your complaint is not attended to after 30 days, you may raise a complaint with the Reserve Bank of India as per the Integrated Ombudsman Scheme 2021 through https://cms.rbi.org.in.

Complaints can also be sent by email or in physical form to the Reserve Bank of India.

This ensures that every consumer has a cost-free alternate redress mechanism and access to a fair and transparent process for resolving credit report mistakes.

Highlights of the RBI Integrated Ombudsman Scheme

The RBI’s Integrated Ombudsman Scheme (IOS) 2021 brings Credit Information Companies (CICs) under its framework. This step strengthens the internal grievance redressal process and ensures consistent service standards.

Key highlights include:

• “One Nation, One Ombudsman” — jurisdiction-neutral approach.
• Simplified complaint filing under a single scheme.
• Defined “deficiency in service” as the ground for filing a complaint.
• Centralised processing centre at Chandigarh for all physical and email complaints.
• Toll-free number (14448) available in multiple languages for guidance.

This framework helps ensure that every credit rating dispute or unresolved complaint receives fair attention and a timely resolution.

Taking Control of Your Credit Health

Raising a credit report dispute is not just about correcting data; it’s about taking charge of your creditworthiness. Regularly check your credit report to identify/maintain a healthy credit score/repayment track record.

Disclaimer: This information is provided solely for consumer awareness and does not create any obligation on the company to offer any service. For more details, customers may refer to the Consumer Grievance Redressal Policy available on our website

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