Commonwealth Consolidated Acts

PRIVACY ACT 1988 - SECT 18J

             (1)  A credit reporting agency in possession or control of a credit information file, or a credit provider or credit reporting agency in possession or control of a credit report, must take reasonable steps, by way of making appropriate corrections, deletions and additions, to ensure that the personal information contained in the file or report is accurate, up‑to‑date, complete and not misleading.

             (2)  Where:

                     (a)  a credit reporting agency in possession or control of a credit information file, or a credit provider or credit reporting agency in possession or control of a credit report, does not amend personal information contained in that file or report, by making a correction, deletion or addition, in accordance with a request by the individual concerned; and

                     (b)  the individual requests the credit reporting agency or credit provider to include in that file or report a statement provided by the individual of the correction, deletion or addition sought;

the credit reporting agency or credit provider must take reasonable steps to include the statement in the file or report within 30 days after being requested to do so.

             (3)  Where the credit reporting agency or credit provider considers a statement included pursuant to subsection 18J(2) to be of undue length in the circumstances, the credit reporting agency or credit provider may refer the statement to the Commissioner for such reduction as is considered appropriate and, if the statement is altered, the statement as altered is to be included in the file or report.