We operate in full compliance with RBI guidelines, DPDP Act 2023, and Consumer Protection Act 2019
CIBIL Repair operates in full compliance with the guidelines issued by the Reserve Bank of India (RBI), the Banking Ombudsman Scheme, and the Consumer Protection Act, 2019. We are committed to maintaining the highest standards of transparency, data protection, and ethical business practices in the credit repair industry.
✅ Registration & Licensing: CIBIL Repair is registered as a credit consultancy and education service provider. We operate strictly within the legal framework established by RBI and comply with all applicable regulations for credit counseling and dispute resolution services. Our operations are audited regularly to ensure continued compliance.
We comply with the Digital Personal Data Protection Act, 2023 and RBI guidelines on customer data handling. Your personal information is encrypted and never shared without consent.
Our services are provided as credit consultancy and education, in full compliance with RBI regulations. We do not engage in any deceptive or unfair trade practices.
All fees are disclosed upfront with no hidden charges, as required by consumer protection laws. You will never be surprised by unexpected costs.
We have a formal grievance redressal mechanism in accordance with RBI guidelines. Your complaints are addressed within 15 business days.
India's leading credit information company. We file disputes directly with CIBIL on your behalf.
Global credit reporting agency operating in India. We handle Experian disputes professionally.
International credit bureau with RBI approval. We manage Equifax credit report disputes.
RBI-approved credit information company. We handle CRIF dispute resolution as well.
Right to access your credit report once per year for free from each Credit Information Company.
Right to dispute inaccurate, outdated, or fraudulent information in your credit report.
Right to know the status of your dispute within 30 days of filing.
Right to escalate unresolved complaints to the Banking Ombudsman or Consumer Court.
📞 Grievance Officer Contact:
📢 IMPORTANT DISCLOSURES:
The Banking Ombudsman Scheme is a dispute resolution mechanism established by RBI for resolving complaints related to banking services. You may approach the Banking Ombudsman if:
Banking Ombudsman Contact: Visit www.rbi.org.in for the Banking Ombudsman in your region.
Under the Consumer Protection Act, 2019, you have the right to file a complaint with the appropriate Consumer Disputes Redressal Forum (Consumer Court):
🔍 Last Compliance Audit: April 2026 | Status: Compliant | Next Audit: October 2026
📋 Grievance Register: Maintained as per RBI guidelines | Available for inspection upon request