On your credit reports, you’ll see your credit account details and payment history (i.e. missed payments). This information is shared by your credit providers with credit bureaus (our data providers).
If there’s any incorrect information or an account you don’t recognise, you’ll need to contact the credit provider. They'll look into this and if they agree your information is incorrect, they’ll contact the credit bureau to get this removed or updated.
If the credit provider you’ve contacted doesn’t agree with your correction, they’ll need to provide you with reasons why.
If you’re still not satisfied with the decision, you can appeal this via the External Dispute Resolution scheme (EDR) or the Office of the Australian Information Commissioner (OAIC).
You can also raise a complaint with AFCA. www.afca.org.au/about-afca.