How do I dispute a wrong loan showing in my credit report?

First, don’t panic; this is fixable. Take your latest credit report screenshot/PDF and note the exact loan details showing wrong (lender name, account number, date, outstanding, status). Then raise an online dispute directly with the same credit bureau where you saw the wrong loan and choose the reason like “account not mine” or “incorrect account”. Upload proof like PAN/Aadhaar (masked), address proof, and a short note saying you never took this loan. At the same time, email the lender’s customer care/grievance team (the one showing in the report), asking for written confirmation that you are not the borrower, and attach your ID proof plus the report page. If you suspect identity misuse, file a cyber complaint/FIR and share the complaint number with both the lender and bureau, yeh cheez process ko fast kar deti hai. Track the dispute ticket, follow up after 10–15 days, and if it’s not resolved in about 30–45 days, escalate to the lender’s nodal officer and then to the RBI Ombudsman route (especially if the lender is regulated). Keep all emails and tickets safe, because paperwork is your best weapon here.