CIBIL Dispute Letter to Bank - English

To,
The Branch Manager / Nodal Officer
{{bank_name}}
{{branch_address}}

Subject: Request to Update Correct Loan/Credit Card Information with CIBIL

Dear Sir/Madam,

I, {{your_name}}, am an account holder (Account/Loan No: {{account_number}}) at your branch. I am writing to request that you update the correct status of my loan/credit card account with TransUnion CIBIL, as the current CIBIL report reflects incorrect information.

CIBIL Report Error:
- Account showing as: {{current_wrong_status}} (e.g., "Written Off" / "Settled" / "Overdue")
- Correct status should be: {{correct_status}} (e.g., "Closed" / "Paid in Full" / "Current")
- DPD (Days Past Due) showing: {{wrong_dpd}}
- Correct DPD should be: {{correct_dpd}}

Evidence Attached:
1. Loan Closure Certificate / NOC from your branch dated {{noc_date}}
2. Bank statement showing all EMIs paid on time
3. CIBIL report highlighting the incorrect entry
4. PAN Card copy

As per RBI guidelines and Credit Information Companies (Regulation) Act, banks are required to report accurate data to credit bureaus. I request you to:

1. Update the correct loan/credit card status with CIBIL immediately
2. Provide written confirmation that the correction has been submitted
3. Mention the expected timeline for CIBIL report update

Thanking you,
{{your_name}}
{{your_phone}}
{{your_email}}
Date: {{date}}