The credit complaint process mainly involves the following two situations:

1. If you find that you have been loaned or credited during a loan, you must go to the local People's Bank of China in a timely manner. Go correct it and present your own relevant evidence.

2. If there is an error in your identity-related information, there are the following steps:

(1) If an individual believes that there is an error or objection to his or her credit information, he or she can report it to the People's Bank of China Or a commercial bank may file a written objection application. Log in to the official website of the People's Bank of China, or call 4008108866 for inquiries.

(2) If you find out that a specific financial institution has incorrectly reported your personal credit record, bring your ID card to the financial institution’s business outlet to lodge a complaint. For financial institutions that do not have local branches, they can directly submit objections to the local People's Bank of China.

(3) According to Article 25 of the "Credit Reporting Industry Management Regulations", if the information subject believes that there are errors or omissions in the information collected, stored and provided by the credit reporting agency, he or she has the right to report to the credit reporting agency Or the information provider raises objections and requests correction. When a credit reporting agency or information provider receives an objection, it will verify and handle it within 20 days from the date of receipt of the objection, and respond to the objector in writing with the result.

(4) If there are indeed errors after the review, the data generating organization will correct it for you based on the information you provided. Make two copies of the corrected written report, one to keep for yourself and one for the other party's institution to keep. Finally, check your own credit report to confirm the accuracy of the correction of the erroneous information.

(5) After the data generation organization has corrected it, it will call you to notify you and ask the applicant to confirm again. If the modification is correct, you can directly sign personally.

Bring your original ID card and the completed "Personal Credit Report Objection Application Form" to the local branch of the People's Bank of China. After verification, it is confirmed that the information on the personal credit report is incorrect and will be modified. , then this erroneous accounting will be cleared. If it is verified that it is correct, the opponent will be replied later and the corresponding execution regulations will be given.

: What should I do if I still have a dispute over the objection handling result?

After receiving the processing results, the objector still finds that the problems he submitted have not been resolved and has objections to the results. He can apply to the Credit Information Center through the local People's Bank to have his personal credit report published. Statement, you can also complain to the credit management department of the People's Bank of China or file a lawsuit in court.