If you think your credit report contains any inaccurate, out-of-date, incomplete, irrelevant or misleading information, you can take the following steps to have it fixed.
Step 1: Internal Dispute Resolution
Every credit provider and credit reporting body has a free complaint handling process. They are required to deal with your complaint.
If you send a complaint to a credit reporting body, make sure you also send a copy to any relevant creditor. Remember to date, sign and keep a copy of your letter.
If a credit reporting body or credit provider refuses to correct your credit file, they must provide the reasons why and evidence proving the correctness of the information.
If you’re not happy with the internal dispute resolution process of a credit provider or credit reporting body, you can use external dispute resolution processes including the relevant ombudsman scheme / complaints authority or the Commissioner.
Step 2: External Dispute Resolution
Credit reporting bodies and credit providers are required to be a member of a free and independent dispute resolution service. NAB is a member of the Australian Financial Complaints Authority (AFCA). You can contact AFCA as follows:
Australian Financial Complaints Authority,
GPO Box 3, Melbourne, VIC 3001
Other dispute resolution services include: