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​The Reserve Bank of India’s Master Direction on Credit Information Reporting (2025) establishes a standardized framework for the reporting and dissemination of credit information, ensuring data quality, consumer rights, and grievance redressal mechanisms. It mandates Credit Information Companies (CICs) and Credit Institutions (CIs) to adhere to uniform reporting formats, maintain data accuracy through Data Quality Indexes, provide consumers with access to their credit reports, and implement compensation mechanisms for delays in rectifying credit information.​