Where can I go to complain about the objection to credit reporting?

Individuals who have objections to the credit report may appeal to the People's Bank of China or a commercial bank. Individuals can log on to the official website of the People's Bank of China, call the official contact number, or contact the commercial bank that uploaded the problem record. After verification, they can correct the problem record.

1. Where can I complain about online credit reporting?

There are two main situations in the credit complaint process:

(1) If you find yourself being borrowed or credited in the loan, you should go to the local people's bank to correct it in time and show your relevant evidence.

(2) If the information related to your own identity is wrong, there are the following steps:

1. If an individual thinks that there are errors or objections in his credit information, he may file a written objection application with the People's Bank of China or a commercial bank. Log in to official website of China People's Bank, or call 4008 108866 for enquiry.

2. Inquire about the wrong personal credit records reported by a specific financial institution, and bring my ID card to the business outlets of the financial institution to make a complaint. For financial institutions without local outlets, they can directly raise objections to the local people's bank.

3. According to Article 25 of the Regulations on the Administration of Credit Information Industry, if the information subject thinks that the information collected, saved and provided by the credit information agency is wrong or omitted, it has the right to raise an objection to the credit information agency or information provider and ask for correction. Credit reporting agencies or information providers shall, within 20 days from the date of receipt of the objection, check and handle it, and reply the handling result to the objector in writing.

4. If there are errors after the audit, the data generator will correct them for you according to the information you provided. The corrected written report is made in duplicate, one for yourself and one for the other party. Finally, check your credit report to confirm the accuracy of the correction of the wrong information.

5. After the data generator completes the correction, it will call you and ask the applicant to confirm it again. If the correction is correct, just sign it directly.

Bring my original ID card and the completed Personal Credit Information Objection Application Form to the local branch of China People's Bank. After verification, the information in the personal credit information report is indeed wrong and will be revised, so the wrong bookkeeping will be cleared. If the verification is correct, the dissenter will be answered later and the corresponding implementation regulations will be given.

Second, why is there an error in the credit report?

The content of the credit report comes from the database of the central bank's credit information system. These data are reported by financial institutions to the central bank. The whole data from lending institutions to the central bank's credit information system has a long process and many links. The reasons for common errors in credit reports are as follows:

(1) The information filled in by the individual is incorrect, or the information is not updated in time after the personal information is changed.

(2) The data entered by the account manager is incorrect.

(3) There is an error in the data processing of the lending institution.

(4) There is an error in the integrated data of the Credit Information Center.

Third, is the online credit report accurate?

Quasi. The credit report we found through the credit information center in official website or commercial banks in official website, mobile banking and other online channels is also a correct credit report. But this is only a short version of the credit report. Although accurate, it is not detailed.

The information in the personal credit report mainly includes six aspects: the verification results of the identity information of the Ministry of Public Security, personal basic information, bank credit transaction information, non-bank credit information, my statement and objection labeling, and historical information inquiry.

What we see on the internet is a simplified version, and the credit information that banks can see is not the same as the printed version of the central bank. Among them, other bank loans, credit cards and other information items. It's all the same, except that other banks will use codes instead of directly displaying the name of the institution.

legal ground

Article 25 of the Regulations on the Administration of Credit Information Industry, if the information subject thinks that the information collected, saved and provided by the credit information agency is wrong or omitted, he has the right to raise an objection to the credit information agency or information provider and ask for correction. Credit reporting agencies or information providers shall, within 20 days from the date of receipt of the objection, check and handle it, and reply the handling result to the objector in writing.

After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.