Need to have a Report ID / CHM Reference Number (It will be on top right corner of the report). In case if you do not have a Report ID / CHM Reference Number, please log on to the Portal to access / download the credit report against which you want to raise the complaint and refer the Report ID / CHM Reference Number
If you do not have a credit report, please generate a fresh report from Portal and share the Report ID / CHM Reference Number with us over the email
Mention the Report ID / CHM Reference Number in the subject line
Fill in the below details by copying the following format in the email body:
Full Name (as in the Report)
Contact Number (as in the Report)
Account / Credit Type (Home Loan, Auto Loan, Personal Loan, etc.)
Credit Limit / Disbursed Amount:
Error in field (Account Status, DPD, Overdue Amount, Last Reported Date, etc.)
Error Reason (Incorrect Account Linkages, Incorrect Information, Credit Score, Missing Account, Any Other Reason)
Grievance Resolution Process:
Once the credit bureau receives the grievance from the consumer, a service request / ticket number shall be generated and shared with consumer over email for future reference
The consumer grievance will be closed at our end after providing the resolution to the grievance raised
Credit bureau would provide resolution to the query raised within 30 days and share the response with the consumer
In case your compliant is not addressed within 30 days, you may raise a complaint with the Reserve Bank of India under the Integrated Ombudsman Scheme 2021 at https://cms.rbi.org.in.
Complaints can also be filed through the dedicated e-mail or sent in physical mode to the ‘Centralised Receipt and Processing Centre’ set up at Reserve Bank of India, 4th Floor, Sector 17, Chandigarh - 160017 in this format/Annexure A.
Additionally, a Contact Centre with a toll-free number – 14448 (9:30 am to 5:15 pm) – is also being operationalised in Hindi,English and in eight regional languages to begin with and shall cover other Indian languages in due course.
The Contact Centre will provide information/clarifications regarding the alternate grievance redress mechanism of RBI and to guide complainants in filing of a complaint.
Salient Features of RBI- INTEGRATED OMBUDSMAN SCHEME 2021
By virtue of the notification/ press release of the RBI dated August 5, 2022 titled "Statement on Developmental and Regulatory Policies", CICs have been brought under the ambit of the RBI-IOS 2021 in order to order to make to RBI - IOS more broad based,with an intent to provide a cost free alternate redress mechanism to customer of the Regulated Entity for grievances against CICs and with a view to strengthen the internal grievance redressal of the CICs and to make it more efficient, it has also been decided to bring the CICs under the Internal Ombudsman (IO) framework.
The Scheme adopts ‘One Nation One Ombudsman’ approach by making the RBI Ombudsman mechanism jurisdiction neutral.
It will no longer be necessary for a complainant to identify under which scheme he/she should file complaint with the Ombudsman.
The Scheme defines ‘deficiency in service’ as the ground for filing a complaint,with a specified list of exclusions. Therefore, the complaints would no longer be rejected simply on account of “not covered under the grounds listed in the scheme”.
The Scheme has done away with the jurisdiction of each ombudsman office.
A Centralised Receipt and Processing Centre has been set up at RBI, Chandigarh for receipt and initial processing of physical and email complaints in any language.
The responsibility of representing the Regulated Entity and furnishing information in respect of complaints filed by customers against the Regulated Entity would be that of the Principal Nodal Officer in the rank of a General Manager in a Public Sector Bank or equivalent.
The Regulated Entity will not have the right to appeal in cases where an Award is issued by the ombudsman against it for not furnishing satisfactory and timely information/documents.
The Executive Director-in charge of Consumer Education and Protection Department of RBI would be the Appellate Authority under the Scheme.
Complaints can continue to be filed online on https://cms.rbi.org.in. Complaints can also be filed through the dedicated e-mail or sent in physical mode to the‘Centralized Receipt and Processing Centre’ set up at Reserve Bank of India, 4th Floor, Sector 17, Chandigarh - 160017 in the format. Additionally, a Contact Centre PROPRIETARY with a toll-free number – 14448 (9:30 am to 5:15 pm) – is also being operationalized in Hindi, English and in eight regional languages to begin with and will be expanded to cover other Indian languages in due course. The Contact Centre will provide information/clarifications regarding the alternate grievance redress mechanism of RBI and to guide complainants in filing of a complaint.