If you find a problem or mistake on your credit report, follow these steps to get the issue resolved:
Step 1: Regularly monitor your credit report and identify errors.
Step 2: Once identified, report the mistake to the relevant authority. For example, if the error was on a financial institution, they need to rectify it before the credit bureau can make changes.
Step 3: If the relevant person has not made changes within 30 days of it being reported, you can approach an ombudsman (or government official) to get the errors rectified.
Step 4: Once the changes have been implemented (or if it is not possible to rectify the errors), the credit bureau will intimate you about the same.
You can find the dispute forms for reporting the error here: CIBIL, Experian, CRIF Highmark, or Equifax.