The next steps to take if you are unable to resolve an issue about a credit reporting agency or your credit rating.
The Privacy Commissioner(external link) for advice on privacy, breaches of the Credit Reporting Privacy Code (the Code) and complaints if the credit reporter fails or refuses to act on your request.
The Human Rights Review Tribunal (external link)(HRRT) if you are unhappy with the findings of the Privacy Commission.
The Commerce Commission(external link) to report for false or misleading conduct or statements under the Fair Trading Act.
Privacy Commissioner investigates complaints that credit reporters have failed or refused to act on a correction request.
The Human Rights Review Tribunal (HRRT) will investigate any breaches of the Privacy Act or the Code, once the Privacy Commissioner has finished his investigation.
The Disputes Tribunal deals with claims up to $15,000 (or $20,000 if both parties agree). The District Court deals with claims over $15,000.
You can get a free written copy of your credit history from credit reporting companies. If a credit reporter has generated a credit rating for you, you can ask the reporter to explain it.
Credit reporters have to deal with your request within 20 working days. If they need longer, the credit reporter must tell you and explain why.
If you want the information within five working days, you may have to pay a reasonable charge.
The HRRT can award money to compensate you for any damage caused by a breach of the Privacy Act. It can also award costs against you if your case is unsuccessful.
Provides information and advice on the Privacy Act and the Credit Reporting Privacy Code and investigates complaints about breach of the Act and Code.
Provides information on the tribunal and the process of making a claim.
Provides information how to make a complaint if you feel a business is not complying with the Fair Trading Act.