CIBIL Dispute Filed — No Response from Bank in 30 Days
You filed a dispute with CIBIL about a wrong entry. CIBIL contacted the bank/lender for verification, but the bank did not respond within 30 days.
⚖️Your Rights Under RBI Regulations
If the bank does not respond to CIBIL's dispute query within 30 days, CIBIL must update the record in your favour based on available documentation.
The bank's silence is treated as acceptance that the data may be incorrect.
You can write directly to the bank citing that they failed to respond to CIBIL's query.
💰 What You Can Recover
Correction of credit report. Compensation if the dispute silence caused credit denial or financial loss.
⏱ Response Deadline
30 days after CIBIL contacted the bank.
📋Step-by-Step — What to Do
Download your CIBIL dispute status — confirm the bank was contacted and did not respond in 30 days.
Write to the bank's credit bureau team and Nodal Officer citing their failure to respond.
Write to CIBIL demanding automatic correction as per CICRA provisions.
File with RBI Ombudsman against the bank for non-compliance.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman — cms.rbi.org.in
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