Addressing your queries / disputes

I had approached my lender to resolve a dispute on my Experian Credit Information Report but the bank has asked me to approach Experian Credit Information Company of India directly.

The data in the Experian Credit Information Report is based on the information provided to us by all our member banks, financial institutions and other credit grantors, therefore the concerned credit granting organisations own the data in your credit information report. We are not authorised to amend or change any data without the specific written consent of the lender who provided the information to us. It may be that the lender has therefore referred you to us in error, so we’d be happy to assist you in dealing with the lender to ensure that any queries, errors or misunderstandings are quickly resolved.  

If you would like us to help please download the Query Application Form by clicking on the blue box to the right or contact us on 022 6641 9000 and ask for the Query Application Form and we will send it to you by post. Complete the application form and take care to provide all of the required information and sign the form. It is very important that you include your Experian Report Number (ERN) when corresponding with us. The ERN is a 15 digit number recorded at the top right hand side corner of your Experian Credit Information Report Please send us this completed and signed application form along with self attested (signed and dated photocopies) of the following documents;       

(a) Identity Proof (any one of the following documents)

(i)    PAN card

(ii)   Passport

(iii)  Voters ID      

(b) Address Proof (any one of the following documents)

(i)    Electricity bill (no more than 3 months old and for your current address)

(ii)   Telephone bill (no more than 3 months old and for your current address)

(iii)  Latest bank statement (no more than 3 months old and for your current address)

(iv)  Lease / license deed

(v)   Sale / purchase deed

(vi)  Passport

Kindly attach all these documents and send it to;

Experian Credit Information Company of India,

P. O. Box. 9096,

Goregaon (East),

Mumbai – 400063 

Why can’t you resolve my dispute over the phone, why can’t you correct my data immediately?

The data in the Experian Credit Information Report is based on the information provided to us by all our member banks, financial institutions and other credit grantors, therefore the concerned credit granting organisations own the data in your credit information report. We are not authorised to amend or change any data without the specific written consent of the lender who provided the information to us. We do understand that you would want to conclude matters quickly and so are very happy to assist you in dealing with the lender to ensure that any queries, errors or misunderstandings are quickly resolved.  

If you would like us to help please download the Query Application Form by clicking on the blue box to the right or contact us on 022 6641 9000 and ask for the Query Application Form and we will send it to you by post. Complete the application form and take care to provide all of the required information and sign the form. It is very important that your include your Experian Report Number (ERN) when corresponding with us. The ERN is a 15 digit number recorded at the top right hand side corner of your Experian Credit Information Report Please send us this completed and signed application form along with self attested (signed and dated photocopies) of the following documents;       

(a) Identity Proof (any one of the following documents)

(i)    PAN card

(ii)   Passport

(iii)  Voters ID      

(b) Address Proof (any one of the following documents)

(i)    Electricity bill (no more than 3 months old and for your current address)

(ii)   Telephone bill (no more than 3 months old and for your current address)

(iii)  Latest bank statement (no more than 3 months old and for your current address)

(iv)  Lease / license deed

(v)   Sale / purchase deed

(vi)  Passport

Kindly attach all these documents and send it to;

Experian Credit Information Company of India,

P. O. Box. 9096,

Goregaon (East),

Mumbai – 400063

I don’t agree with something in my report – how can I get this amended?

The Experian Credit Information Report is a representation of the latest information provided by our member banks, financial institutions and other credit grantors at the time we printed your report for you. Information changes regularly, as we receive new updates from our members regularly, so the reason for any discrepancy is often due to a time delay from when a payment was last made to when your records where last updated by the lender. If you do find a discrepancy in the information within your report, then it is important to address this concern with your lender quickly.  We’d be happy to help you with this process, so if you’d like us to help please download the Experian Credit Information Report Query Application Form by clicking on the blue box to the right or contact us on 022 6641 9000 and ask for the Query Application Form and we will send it to you by post. Complete the application form and take care to provide all of the required information and sign the form. It is very important that you include your Experian Report Number (ERN) when corresponding with us. The ERN is a 15 digit number recorded at the top right hand side corner of your Experian Credit Information Report Please send us this completed and signed application form along with self attested (signed and dated photocopies) of the following documents;       

(a) Identity Proof (any one of the following documents)

(i)    PAN card

(ii)   Passport

(iii)  Voters ID      

(b) Address Proof (any one of the following documents)

(i)    Electricity bill (no more than 3 months old and for your current address)

(ii)   Telephone bill (no more than 3 months old and for your current address)

(iii)  Latest bank statement (no more than 3 months old and for your current address)

(iv)  Lease / license deed

(v)   Sale / purchase deed

(vi)  Passport

Kindly attach all these documents and send it to;

Experian Credit Information Company of India,

P. O. Box. 9096,

Goregaon (East),

Mumbai – 400063

Whenever I have any query regarding my credit report…I’m being asked my ERN number, what is it?

Experian Report Number (ERN) is a unique number recorded on every Experian Credit Information Report and is used as a reference number to validate your information. Please mention your Experian Report Number (ERN) which is a 15 digit number mentioned at the top right hand side corner of the Experian Credit Information Report in all communications with us, as without it we would be unable to assist you.  If you have lost or destroyed your Experian Credit Information Report, you would need to order another report, with a fresh ERN before we would be able to assist with any queries you may have.  This is important, to ensure that we are only discussing the information contained within the report with the person to whom it relates 

I don’t have my ERN and have misplaced my credit report

Your Experian Report Number (ERN) is a 15 digit number recorded at the top right hand side corner of the Experian Credit Information Report.  It is essential that the ERN is mentioned in all communications with us, as without it we would be unable to assist you.  If you have lost or destroyed your Experian Credit Information Report, you would need to order another report, with a fresh ERN before we would be able to assist with any queries you may have.  This is important, to ensure that we are only discussing the information contained within the report with the person to whom it relates