← Full guide: Unfamiliar Hard Enquiries: Fraud Checks and Dispute Steps

Review the enquiry record

For “Review the enquiry record”, use a recent full report. CIBIL states reports from the past 60 days are eligible for its dispute process.

Start here

For “Review the enquiry record”, use a recent full report. CIBIL states reports from the past 60 days are eligible for its dispute process.

What applies to this exact problem

  1. Use a recent full report

    CIBIL states reports from the past 60 days are eligible for its dispute process.

  2. Create an application log

    List every loan or card application, platform, date, consent screen and known lender.

  3. Match legal entities

    Digital platforms may use a partner bank or NBFC whose name appears on the report.

  4. Check for an opened account

    Review account information, not only the enquiry section.

  5. Raise a field-specific dispute

    Select the exact lender and date. CIBIL says disputes are free and the lender must confirm changes.

  6. Escalate suspected fraud

    Contact the reporting lender, secure identity or banking access, and use official cybercrime reporting where appropriate.

Check these first

  • Use a recent full report: CIBIL states reports from the past 60 days are eligible for its dispute process.
  • Create an application log: List every loan or card application, platform, date, consent screen and known lender.
  • Match legal entities: Digital platforms may use a partner bank or NBFC whose name appears on the report.

Fix it in this order

  1. Use a recent full report: CIBIL states reports from the past 60 days are eligible for its dispute process.
  2. Create an application log: List every loan or card application, platform, date, consent screen and known lender.
  3. Match legal entities: Digital platforms may use a partner bank or NBFC whose name appears on the report.
  4. Check for an opened account: Review account information, not only the enquiry section.
  5. Raise a field-specific dispute: Select the exact lender and date. CIBIL says disputes are free and the lender must confirm changes.
  6. Escalate suspected fraud: Contact the reporting lender, secure identity or banking access, and use official cybercrime reporting where appropriate.
  7. Use a recent full report CIBIL states reports from the past 60 days are eligible for its dispute process.

Evidence to keep

  • Fresh bureau report — keep it with the evidence for “Review the enquiry record”.
  • Loan/card closure or payment proof — keep it with the evidence for “Review the enquiry record”.
  • Lender and bureau dispute references — keep it with the evidence for “Review the enquiry record”.
  • Identity/PAN evidence or fraud complaint where relevant — keep it with the evidence for “Review the enquiry record”.

Do not make it harder

  • Paying a credit-repair service to remove accurate negative data For “Review the enquiry record”, that can hide whether the underlying issue is actually resolved.
  • Assuming one bureau update fixes every bureau For “Review the enquiry record”, that can hide whether the underlying issue is actually resolved.
  • Filing repeated duplicate disputes without new evidence For “Review the enquiry record”, that can hide whether the underlying issue is actually resolved.

How you know it is fixed

  • The official record and your real-world result agree for “Review the enquiry record”.
  • You have enough written evidence to prove the issue is finished if it returns later for “Review the enquiry record”.

If this still isn't resolved

  1. Lender grievance/nodal officer State the unresolved issue explicitly: “Review the enquiry record”.
  2. Bureau escalation route State the unresolved issue explicitly: “Review the enquiry record”.
  3. RBI CMS for eligible unresolved complaints involving regulated lenders State the unresolved issue explicitly: “Review the enquiry record”.

Parent-guide references

These references support the parent guide and escalation context. Verify provider-, model-, policy-, or jurisdiction-specific details before an irreversible step.

Need the complete context?

This page solves one branch. The parent guide covers the full decision, edge cases, alternatives, and related checks.

Open the full guide