The data on your CIBIL credit report is what credit institutions have reported to CIBIL. The onus is on the financial institutions to accurately submit the facts to CIBIL. It is the duty of CIBIL to accurately update and compile this data. You can start a dispute resolution process with if you discover any data inaccuracies in your CIBIL credit report, and it will be verified. Any modifications must be approved by the relevant financial institution before they can be recorded in CIBIL and updated in your CIBIL credit report.