The discovery of a duplicate account on your credit report can be scary. Your score will drop, lenders will be confused, and your loan may be declined. Annually, this problem is faced by numerous people. Yet, there is a positive side? You can fix it. This simple guide demonstrates the proper way to dispute duplicate accounts and get your CIBIL report corrected quickly.
A CIBIL duplicate account typically results from either the lenders sending incorrect data or them reporting the same loan twice. This error negatively impacts your score as it seems you are carrying more debt than you really are. However, if you stick to the proper steps, the dispute process will be very easy.
Why Do Duplicate Accounts Appear?
Different factors can cause the appearance of duplicate accounts. On some occasions, banks will submit the same loan information for a second time. Other instances will see a system error leading to the copying of your loan history by the computer. In rare cases, an old loan that you closed years ago shows up as active recently. All these issues result in the CIBIL duplicate account problem.
Common causes include,
- Loan reported by two lenders
- Closed loan is still on the records
- Technical problems while uploading data
- Your PAN number is linked incorrectly
- Malfunction in the lending system
These mistakes often require dispute resolution for the CIBIL report so that the bureau can correct the errors.
Common Reasons for Duplicate Accounts
| Cause | Impact on Credit Score |
| Loan reported twice | Score drops due to higher credit load |
| Old closed loan reactivated | Shows repayment delays |
| Technical glitches | The wrong account history appears |
| Mismatched PAN or ID | Creates a false CIBIL duplicate account |
Why It’s Important to Fix It Fast
A duplicate entry makes you look risky to lenders. It shows more loans than you actually have and may show fake overdue payments. This is the main reason why it is necessary to rectify the errors in the CIBIL report very quickly. If you have a duplicate account, your loan application may be rejected instantly.
Early correcting of the report gives you a better opportunity to borrow money at lower interest rates.
How to dispute duplicate accounts in CIBIL
Resolving the problem is just a matter of a few steps. The whole process is very simple and is 100% online.
1. Get Your CIBIL Report
The very first step is to download your entire report. Try to find any loan that is shown twice, looks strange, or is in the wrong status. This is the first step in learning how to remove duplicate accounts in CIBIL.
2. Go to the CIBIL Dispute Centre
Visit the official website of TransUnion CIBIL. You will find the CIBIL dispute form in the Dispute Centre. This is where you can send your correction request.
3. Select “Duplicate Account” for the Dispute
In the dispute form, check the box for duplicate account. Provide the account number, the lender’s name, and identify both entries. This helps the team understand the exact problem.
4. Provide Supporting Documents
If you have closure letters, bank statements, or loan sanction copies, upload them. This helps speed up and simplify the process of resolving disputes about CIBIL reports.
5. Wait For Verification
CIBIL will request your lender to confirm the facts. This may take anywhere from 15 to 30 days. After the bank acknowledges the error, CIBIL will proceed to delete the duplicate account.
During this time, keep checking your report to make sure the CIBIL duplicate account gets corrected.
Timeline for Fixing Duplicate Accounts
| Step | Time Taken |
| Submit the dispute form | 10 minutes |
| Lender verification | 15–30 days |
| CIBIL update | 7 days after approval |
| Final score correction | Within the next monthly cycle |
Tips to Speed Up the Process
- Always keep a copy of all the loan documents
- Respond to emails from the lender without delay.
- Check your CIBIL report every month.
- Do not use email; use the CIBIL dispute form online instead.
- Report all mistakes and not only the duplicate entry.
By taking these actions, you will be able to correct errors in the CIBIL report quickly and also prevent long waiting times.
Conclusion
A CIBIL duplicate account can hurt your credit score, but it is easy to fix if you act early. Just download your report, fill out the dispute form, and submit the correct documents. With proper steps and quick action, you can complete dispute resolution for the CIBIL report without stress. Understanding how to remove duplicate accounts in CIBIL helps you protect your score and stay ready for loans anytime.
