Note

Experian believes in empowering individuals and organizations to make the right decisions and enabling them to achieve their goals.

 

The recent times have been challenging with the COVID-19 outbreak. We hope you and your loved ones are safe and healthy. We want to ensure we continue to serve you during these challenging times and therefore our staff is working from home. However as mandated by the Government and local authorities, our call center based out of the Mumbai Metropolitan Region has been shut. Our associates and staff are unable to come to the office and therefore our helpline numbers are currently inactive and will continue to remain so until further notice.

 

We are taking these steps with respect to the Government measures and care for our employees, their families, and our community. We assure you that we will be back to our high standards of service once the situation improves. We again thank you for your co-operation and hope your loved ones and you stay safe.

Addressing Your
Queries / Disputes

I want to correct information on my Experian Credit Report.

You can now initiate the online dispute online with Experian for any inaccuracies in you report in 3 simple steps:

  1. Login into your account. Click here to login.
  2. Navigate to Dispute - > Raise a Dispute
  3. User guide to raise a Query / Dispute
  4. Fill in the following details
    1. Credit Report Details (ERN, UTI which are mentioned in the top right-hand side of your Experian Credit Report)
    2. Dispute details (Credit / Personal details to be corrected)
    3. Click on Submit.

After Submitting, you can also track the status of the dispute through “Dispute - > Track Dispute”

What is ERN?

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. Experian Report Number (ERN) which is a 15 digit number mentioned at the top right hand side corner of the Experian Credit Information Report.

What is UTI?

Unique Transaction ID (UTI) is a unique number recorded on every Experian Credit Information Report and is used as a reference number to validate your information. Unique Transaction ID (UTI) is mentioned at the top right-hand side corner of the Experian Credit Information Report.

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 organizations own the data in your credit information report. We are not authorized 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.