Identity theft and credit reporting

Written By For Good Digital

Where a person has been a victim of fraud (including identity fraud), they can request the credit-reporting bodies to commence a ‘ban period’ under section 20K of the Privacy Act (see also CR Code). A person can ask the credit-reporting bodies to notify each other of the request to place a ban period on credit applications.

During the ban period, the credit-reporting bodies may not disclose or use the individual’s credit report unless the individual expressly consents in writing.

The person can then request a correction to their credit report.

Identity theft and credit reporting

Chapter: 5.9: Credit reporting

Contributor: Stephen Nowicki, Director of Legal Practice, Consumer Action Law Centre

Current as of: 1 September 2024

Law Handbook Page: 402

Next Section: Correcting credit reports and complaints

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