Any discrepancy or erroneous information that appears in an MyReport can be disputed by the person or an entity who is the owner of that information. A dispute can be raised by using a Dispute Registration Form (DRF). Once the dispute is registered, CRIB will raise same against the lending institution who has reported such the data. The Compliance Officer of the relevant data reported institution solely responsible for resolving such disputes and the resolution/comments should be communicated through the Dispute Management Module of the Credit Information Management System. Upon receiving the resolution from the Compliance Officer of the relevant data reporting institution, CRIB will close the dispute.

General guide line of Dispute Resolution Process

• A dispute can only be raised by obtaining the Self-Inquiry Report (MyReport).
• A dispute raised based on the Credit Report downloaded by the Lending Institution, will not be accepted.
• A dispute should always be raised based on the information appears on the MyReport.
• A dispute should always be forwarded through the standard predefined form called "Dispute Registration Form" (DRF) attaching proof of supportive documents to it.
• A dispute cannot be raised by another party, on behalf of the MyReport customer based on his or her MyReport.
• A dispute in a corporate MyReport can only be raised by an authorized signatory (Proprietor/Partner/Director) who requested the corporate MyReport.
• The provided information in the DRF and the details of the dispute should always tally with the information of the relevant MyReport.
• The duly completed DRF should reach the Bureau office within 30 days from the date of issue of an MyReport.
• Any DRF received after 30 days from the date of issue of an MyReport, will be rejected and notifying the MyReport customer by the Bureau.
• A dispute cannot be raised against non-updating of the transaction (s) relating to the current month and on credit information not appearing or to be appeared on the MyReport.
• CRIB sends the acknowledgment to the MyReport customer, informing the said dispute would be forwarded to the relevant Lending Institution in due cause.
• The minimum period of 14 days is required to resolve any dispute, as Dispute Resolution is fully depending on the feedback/action/resolution/response by the relevant Lending Institution.
• The raised Dispute shall be displayed as "Active Dispute" on any subsequent credit report generated, until it Close after the resolution.
• The raised Dispute confirmed to be false during the stipulated Dispute Resolution Process, it will be displayed as “False Dispute” on any subsequent credit report generated.