Privacy Act 1988

PART IIIA - CREDIT REPORTING  

Division 5 - Complaints  

SECTION 23A   INDIVIDUAL MAY COMPLAIN ABOUT A BREACH OF A PROVISION OF THIS PART ETC.  

Complaint

23A(1)    
An individual may complain to a credit reporting body about an act or practice engaged in by the body that may be a breach of either of the following provisions in relation to the individual:

(a) a provision of this Part (other than section 20R or 20T );

(b) a provision of the registered CR code (other than a provision that relates to that section).

Note:

A complaint about a breach of section 20R or 20T , or a provision of the registered CR code that relates to that section, may be made to the Commissioner under Part V .

23A(2)    
An individual may complain to a credit provider about an act or practice engaged in by the provider that may be a breach of either of the following provisions in relation to the individual:

(a) a provision of this Part (other than section 21T or 21V );

(b) a provision of the registered CR code (other than a provision that relates to that section) if it binds the credit provider.

Note:

A complaint about a breach of section 21T or 21V , or a provision of the registered CR code that relates to that section, may be made to the Commissioner under Part V .

Nature of complaint

23A(3)    
If an individual makes a complaint, the individual must specify the nature of the complaint.

23A(4)    
The complaint may relate to personal information that has been destroyed or de-identified.

No charge

23A(5)    
The credit reporting body or credit provider must not charge the individual for the making of the complaint or for dealing with the complaint.