Your Experian Credit Report tells you important things you need to know when accessing the financial services you need, so keeping it accurate and up-to-date is more than a service. It’s a responsibility.
To compile the information on your Experian Credit Report we rely on a range of sources including credit providers and public records. We partner with them to keep your details up-to-date. We take every precaution (including security and privacy measures) to make sure the information we share is correct, but sometimes errors can occur, for example, when information we’re given is not as accurate as it should be.
Firstly, you can contact the relevant organisation directly
If the credit provider(s) agrees the information on your file is incorrect they must forward a request to us within 5 days to make the correction. Any credit provider must investigate any correction request you make. This applies even if the information wasn’t entered correctly by the credit provider. They must demonstrate to you how the information on your credit report is correct if they don’t agree to correct it.
If you’re not happy with the action taken by the credit provider, you can raise this with their External Dispute Resolution (EDR) scheme, or with the Office of the Australian Information Commissioner (OAIC).
Alternatively, you can request for us to contact the credit provider on your behalf to have the information disputed.
Please note that resolutions of disputes may take up to 30 days from the date all data regarding the dispute is received.
What kind of correction can I raise?
You will be required to provide a minimum of 100 Points of Identification (ID) and Proof of Address from the list below:
Primary Group A
Driver licence issued by an Australian State or Territory - 40
Roads and Maritime Services (Formerly RTA) photo card - 40
Proof of Age Card (Government issued) - 40
Government employee ID (Australian Federal / State Territory) - 40
Current Australian Tertiary Education Institution Photo ID - 40
Defence Force Identity Card (with photo) - 40
Foreign passport (current) - 70
Australian passport (current) - 70
Secondary Group B
Medicare card issued by Health Insurance Commission - 25
Credit card or debit card issued by a financial institution in Australia - 25
Australian Marriage Certificate (Australia Registry issue only) - 25
Change of Name Certificate (Australian Registry only) - 25
Taxation Assessment Notice - 25
Centrelink card issued by Centrelink - 40
Department of Veteran's Affairs card issued by DVA - 40
Working with Children / Teacher's Registration Card - 40
Full Birth Certificate (not a Birth Certificate extract) - 70
Secondary Group C
Utility bills (e.g. phone, electricity or gas) - 20
Australian Mortgage Document (current address) - 25
Property rates notice - 25
Bank or credit card statements showing your current residential address - 25
Property lease agreement - 25
Correction requests from a third party can be raised on behalf of a consumer (e.g. solicitors, credit repair agencies).
To complete the request, the following information will need to be provided via email to: firstname.lastname@example.org