REGULATORY TRANSPARENCY & YOUR RIGHTS
Corvanta Financial Services operates in compliance with the DPDP Act 2023, the Consumer Protection Act 2019, and applicable Indian credit reporting regulations — transparent, ethical, and legally compliant credit consultancy.
Corvanta Financial Services operates as a registered credit consultancy and education service provider, strictly within the legal framework established by the Reserve Bank of India and compliant with all applicable regulations for credit counseling and dispute resolution.
Corvanta Financial Services operates in compliance with applicable Indian laws including the Consumer Protection Act, 2019, the Digital Personal Data Protection Act, 2023, and the Credit Information Companies (Regulation) Act, 2005. We are committed to maintaining the highest standards of transparency, data protection, and ethical business practices in the credit consultancy industry.
Since inception, Corvanta Financial Services has operated as a transparent, ethical credit consultancy. Our operations follow applicable Indian laws and credit reporting regulations, with periodic internal reviews to ensure continued compliance.
Registration & Licensing: Corvanta Financial Services is registered as a credit consultancy and education service provider. We operate within the legal framework established by the Credit Information Companies (Regulation) Act, 2005 and comply with all applicable regulations for credit counseling and documentation services.
Registered credit consultancy operating under Corvanta Financial Services, Dhanbad, Jharkhand.
Operations reviewed periodically to verify continued compliance with applicable consumer protection and data protection laws.
We adhere to CICRA 2005 framework for credit counseling and dispute resolution.
Client data encrypted with 256-bit SSL and handled per DPDPA 2023 requirements.
Compliant with the Digital Personal Data Protection Act, 2023 and applicable data protection regulations. Your data is encrypted and never shared without your written consent.
Services provided as credit consultancy and documentation support, in compliance with the Consumer Protection Act, 2019. We do not engage in any deceptive or unfair trade practices.
All fees are disclosed upfront with no hidden charges, as required by consumer protection laws. No surprises — ever.
Formal grievance redressal mechanism in accordance with applicable consumer protection regulations. Complaints addressed within 15 business days.
Our operations align with the following Indian regulatory frameworks:
- Fair Practices Code — For lending and credit counseling services.
- Guidelines on Digital Lending — And credit information reporting standards.
- Master Direction on Credit Information Reporting — By Credit Information Companies (CICs).
- Consumer Protection Guidelines — Unfair Trade Practices prevention and redressal.
- Outsourcing of Financial Services — By banks and financial institutions, where applicable.
- Know Your Customer (KYC) Guidelines — For identity verification and client onboarding.
We file disputes directly with all four RBI-licensed credit bureaus on your behalf:
a trusted credit information company. We file disputes directly with Credit Report and track resolution status.
Global credit reporting agency with RBI approval. We handle all Experian dispute filings professionally.
International credit bureau operating in India with full RBI approval. We manage Equifax disputes end-to-end.
RBI-approved credit information company. CRIF dispute resolution is covered under all our service plans.
As a consumer, you are protected by strong rights under Indian law and applicable credit reporting regulations:
Right to access your credit report once per year for free from each Credit Information Company.
Right to dispute inaccurate, outdated, or fraudulent information in your credit report at any time.
Right to know the status of your dispute within 30 days of filing with the bureau.
Right to escalate unresolved complaints to the Banking Ombudsman or Consumer Disputes Forum.
We maintain a formal Grievance Redressal Mechanism with a designated Grievance Officer:
For the complete grievance filing process, please visit our dedicated Grievance Redressal page. If unresolved within 30 days, you may escalate to the Banking Ombudsman.
We maintain a clear, 4-level escalation path to ensure every concern is addressed:
- Level 1 — Customer Support: Contact us at contact@corvantafinserv.com or +91 99054 82503.
- Level 2 — Grievance Officer: Escalate to grievance@corvantafinserv.com if Level 1 is unsatisfactory.
- Level 3 — Banking Ombudsman: Approach the RBI Banking Ombudsman if not resolved within 30 days.
- Level 4 — Consumer Court: File a complaint with the Consumer Disputes Redressal Forum in your district.
Important Disclosures Required by Law: Please read the following carefully before engaging our services.
- We are not affiliated with any bank, financial institution, or credit bureau (including Credit Report, Experian, Equifax, or CRIF).
- Our services are provided on a "best effort" basis — no specific credit score improvement or negative item removal is guaranteed.
- We do not charge any upfront fees for dispute filing without your explicit written consent.
- All client funds are handled through secured payment gateways using industry-standard security.
- We maintain an internal register of complaints as required by the Consumer Protection Act, 2019.
- We do not promise removal of accurate negative information — only inaccurate or erroneous items can be legitimately disputed.
- Credit score improvement depends on multiple factors including your overall credit behavior and bureau responsiveness.
The Banking Ombudsman Scheme is a dispute resolution mechanism established by RBI for resolving complaints related to banking services. You may approach the Banking Ombudsman if:
- Your complaint is not resolved within 30 days by our Grievance Officer.
- Your complaint is rejected by us and you believe the rejection is unjustified.
- You are not satisfied with the resolution provided by our Grievance Officer.
Banking Ombudsman Contact: Visit www.rbi.org.in or the Sachet Portal for the Banking Ombudsman office in your region.
Under the Consumer Protection Act, 2019, you have the right to file a complaint with the appropriate Consumer Disputes Redressal Forum:
For claims up to ₹50 lakhs. Most consumer complaints are resolved at this level.
For claims between ₹50 lakhs and ₹2 crores. Also handles appeals from District Forums.
For claims above ₹2 crores. Also handles appeals from State Commissions.
File complaints online at edaakhil.nic.in — the National Consumer Disputes e-filing portal.
We maintain rigorous internal compliance checks and engage external auditors bi-annually:
To request a copy of our compliance summary or grievance register statistics, write to grievance@corvantafinserv.com with your full name and purpose of request.
Important Disclaimer: Corvanta Financial Services is an independent, privately-owned credit report review and dispute documentation consultancy. We are not affiliated with, endorsed by, sponsored by, or acting as an agent of TransUnion CIBIL Limited, Equifax, Experian, CRIF Highmark, the Reserve Bank of India, or any bank or financial institution.
All services are provided on a case-by-case basis. Outcomes depend on the specifics of each case and are subject to verification by the relevant credit bureaus and lenders. We do not guarantee any specific result, credit score improvement, or loan approval.
Consumers can file disputes directly with credit information companies at no cost through their standard grievance mechanisms. Our services are optional third-party assistance for those who prefer to engage a professional consultancy.
Please review our Terms & Conditions, Refund Policy, and Legal Disclaimer before engaging our services.
Why Our Compliance Matters to You
Every rule we follow, every disclosure we make, and every audit we pass exists to protect you — the client. Our compliance isn't a checkbox; it's our operating principle.
Regulation-Aligned Operations
Every process — from onboarding to dispute filing — is designed to align with CICRA 2005 and fair practice standards.
Data Never Sold
Your personal and financial data is encrypted, purpose-limited, and never sold, rented, or shared without your written consent.
No Hidden Fees
All pricing is disclosed upfront in writing. No upfront dispute fees without explicit consent — that is our written policy commitment.
All 4 Bureaus Covered
We dispute inaccuracies across Credit Report, Experian, Equifax, and CRIF simultaneously — giving you comprehensive credit repair.
Ombudsman Access
We never block your right to escalate. If unsatisfied, you can approach the Banking Ombudsman or Consumer Court freely.
Bi-Annual Audits
Independent compliance audits every six months keep our operations honest, transparent, and continuously improving.
Ready to Fix Your Credit Score?
Join Numerous Indians who improved their credit report legally and ethically. Our documented process gives you confidence every step of the way.
Free Credit Report Consultation
Get expert guidance on correcting inaccurate credit information. Our team contacts you during business hours.
What is your current credit report?
This helps us recommend the right plan.