Individual subject available in the credit bureau warehouse can raise disputes about the most recent self-inquiry report, either by calling Ci-Net or registering on the company's website with the complaint section (E-Credit services portal).
- The entire process should be within a maximum period of 15 days.
- Disputes can be raised on an SIR only if generated in the last 15 days; the system should check if any SIRs generated for the subject in the last 15 days.
- Dispute recorder should register the dispute within a maximum period of 3 days from the time a subject complains (date when dispute resolution form is submitted to the bureau).
- An alert will be sent to the subject to notify the dispute registration.
- If corrections requiring Bureau intervention, Ci-Net must resolve the dispute within a maximum period of 15 days from the complaint date.
- An alert will be sent to the topic to inform that the dispute has been resolved.
- If the corrections require the intervention of the member institution, the dispute must be directed to the member institutions within 5 days.
- The member institution must study the subject complaint and take action within a maximum period of 3 days from the date of routing the dispute to it.
- An alert will be sent to the subject to inform that the dispute has been resolved or rejected.
- In case the dispute is resolved, Ci-Net should inform all member institutions who enquired on the subject in the last 3 months. When dispute results in changes to the subject information / subject’s credit facility information in the repository as an outcome of the dispute resolution process.
- If Ci-Net or member institution did not resolve the dispute within a maximum period of 15 days, Alert would be sent to the subject, informing that the dispute is not resolved within the specified period.