Correcting Your Experian Credit Report

Stay in control of your personal information

Your success is our success and we don’t want anything standing in the way of you achieving your goals. 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.

There are a couple of ways to correct incorrect information on your Experian Credit Report.

Contact the relevant organisation(s) directly Contact us 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).

You can request 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. We’ve detailed below the information needed to request a correction on your Experian Credit Report.

Request a correction

Contact the relevant organisation(s) 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).

Contact us directly

You can request 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. We’ve detailed below the information needed to request a correction on your Experian Credit Report.

Request a correction

What you need to request a correction on your Experian Credit Report

To request a correction on your Experian Credit Report, we need you to give us the following information:

  • Your Experian Credit Report number and date of issue
  • The exact piece of data you’re disputing (as it is shown on your Experian Credit Report)
  • What the error is and proof you may have
  • What the correction should be
  • Statutory declaration where the change is because of identity theft / fraud. It’s a good idea to include this in your request along with a police report if you have one
  • If you don’t have an Experian Credit Report number, we need you to give us some information about who you are to access your report and verify incorrect data. We’ll then provide you with a full copy of your Experian Credit Report once the correction has been made.
You will be required to provide a minimum of 100 Points of Identification (ID) and Proof of Address from the list below:
  • Minimum of ONE (1) document from Group A AND
  • Minimum of ONE (1) document from Group B AND / OR Group C
Primary Group A Points Secondary Group B Points Secondary Group C Points

Driver licence issued by an Australian State or Territory

40

Medicare card issued by Health Insurance Commission

25

Utility bills (e.g. phone, electricity or gas)

20

Roads and Maritime Services (Formerly RTA) photo card

40

Credit card or debit card issued by a financial institution in Australia

25

Australian Mortgage Document (current address)

25

Proof of Age Card (Government issued)

40

Australian Marriage Certificate (Australia Registry issue only)

25

Property rates notice

25

Government employee ID (Australian Federal / State Territory)

40

Change of Name Certificate (Australian Registry only)

25

Bank or credit card statements showing your current residential address

25

Current Australian Tertiary Education Institution Photo ID

40

Taxation Assessment Notice

25

Property lease agreement

25

Defence Force Identity Card (with photo)

40

Centrelink card issued by Centrelink

40

   

Foreign passport (current)

70

Department of Veteran's Affairs card issued by DVA

40

Australian passport (current)

70

Working with Children / Teacher's Registration Card

40

   

Full Birth Certificate (not a Birth Certificate extract)

70

Primary Group A Points

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 Points

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 Points

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

 

Due to the COVID-19 pandemic, our post channel for requesting a correction on your Experian Credit Report is currently unavailable until further notice. Please request corrections via email using the link above or call us on 1300 783 684 between 9:00am-5:00pm AEST Monday to Friday.

To provide the information by post, please send it to:

Experian Australia Credit Services Pty Ltd
Attention: Consumer Support Team
GPO Box 1969
North Sydney NSW 2060

Please note mail to our PO Box is currently not being collected.