Credit Report Dispute Packet (Australia)

This Credit Report Dispute Packet will be useful in obtaining a copy of your credit report and disputing or repairing any errors in the report. It is crucial that every individual closely monitor their credit report. This form is for use in Australia.

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This Credit Report Dispute Packet is designed to assist in obtaining a copy of your credit report and disputing or repairing any errors in that report. This packet contains the names, phone numbers and links to the major credit reporting agencies and if these agencies provide a free credit report. It also includes four letters which can be modified to fit your individual situation. It is important that you monitor your credit closely. This Credit Report Dispute Packet will be of help if there are errors or misinformation on your credit report or if the report contains information which is in dispute.

This Credit Report Dispute Packet contains the following:
  • Copy of Report Letter: A short letter to the credit reporting agency requesting that a current credit report be provided;
  • Report of Error Letter: A letter to an agency which reports an error. This letter sets out the specifics regarding the error and why it is not accurate;
  • Dispute Letter: A letter which disputes certain information on a credit report including how the item is listed and documents which support your claim;
  • Non-Response Letter: A letter which informs the credit agency that they have not responded to your dispute letter in a timely fashion and asks that the agency respond immediately.

Protect Yourself and Your Rights with these accurate and easy to use forms.

This lawyer-prepared package includes:
  1. General Information
  2. Step-by-Step Instructions
  3. Credit Report Dispute Packet for use in Australia
Legal Compliance: This form complies with the state and territory laws of Australia
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
 
 
Credit Report Dispute Packet
(Australia)

 

Your Name
Your Address
               
Date
 
 
 
Credit Reporting Agency
Credit Reporting Agency Address
 
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I hereby respectfully request that you provide me with my free, current credit report.  Please send this report to the address listed above.
 
If you require any additional information, please do not hesitate to contact me.
 
Thank you for your prompt attention to this matter.
 
 
Respectfully yours,
 
 
Your Name
LETTER B
 
 
 
Your Name
Your Address
               
Date
 
 
 
Company Name
Company Address
 
 
Re: Your Name
       Account # or Invoice #
 
Dear Sir or Madam:
 
I have just received my credit report and discovered that there is an error regarding my account with your company.
 
According to the report, my account was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate].  I am writing to request that the item be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence if you have enclosed any documentation supporting your claim (e.g. payment records, correspondence).  Describe the documentation here] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER C
 
Your Name
Your Address
               
Date
 
 
 
Credit Reporting Agency Name
Credit Reporting Agency Address
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I am writing to dispute certain information in my credit report.  The item(s) that I dispute is/are as follows:
 
[Insert the items you are disputing; for example: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx ]
 
According to the report, this item was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate (e.g. I was never late on the account)].  I am writing to request that the item(s) be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence to describe any enclosed documentation supporting your claim (e.g. payment records, correspondence). It is best to include any documentation that will help your case.  Be sure to only send copies of the documentation.] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER D
 
Your Name
Your Address
               
Date
 
 
 
Credit Reporting Agency Name
Credit Reporting Agency Address
 
 
Re:  Dispute Letter dated [insert date of initial dispute letter]
 
Dear Sir or Madam:
 
This letter is to inform you that I have not received a response to my dispute letter dated ______________, 20_____.  This letter was sent [certified/registered] mail, the receipt of which is enclosed.
 
Under the laws of Australia, you are required to respond to any dispute inquiries within 30 days.  Since 30 days have passed since your receipt of my letter, you are in violation of this requirement.  Failure to comply with these federal regulations may result in an investigation of your credit reporting agency by Privacy Commissioner.
 
I would very much like to avoid taking any further legal steps regarding this matter and would appreciate a prompt response to this letter.  For your convenience I have enclosed a copy of the original letter that I sent to you on ___________, 20__ and copies of the supporting documentation.  The following item(s) on my credit report need to be corrected as soon as possible:
[insert a description of the account in question: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx]
 
If you require any additional information, please do not hesitate to contact me.
 
 
Sincerely,
 
 
 
Your Name
 
Number of Pages10
DimensionsDesigned for Letter Size (8.5" x 11")
EditableYes (.doc, .wpd and .rtf)
UsageUnlimited number of prints
Product number#43403
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
 
 
Credit Report Dispute Packet
(Australia)

 

Your Name
Your Address
               
Date
 
 
 
Credit Reporting Agency
Credit Reporting Agency Address
 
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I hereby respectfully request that you provide me with my free, current credit report.  Please send this report to the address listed above.
 
If you require any additional information, please do not hesitate to contact me.
 
Thank you for your prompt attention to this matter.
 
 
Respectfully yours,
 
 
Your Name
LETTER B
 
 
 
Your Name
Your Address
               
Date
 
 
 
Company Name
Company Address
 
 
Re: Your Name
       Account # or Invoice #
 
Dear Sir or Madam:
 
I have just received my credit report and discovered that there is an error regarding my account with your company.
 
According to the report, my account was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate].  I am writing to request that the item be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence if you have enclosed any documentation supporting your claim (e.g. payment records, correspondence).  Describe the documentation here] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER C
 
Your Name
Your Address
               
Date
 
 
 
Credit Reporting Agency Name
Credit Reporting Agency Address
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I am writing to dispute certain information in my credit report.  The item(s) that I dispute is/are as follows:
 
[Insert the items you are disputing; for example: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx ]
 
According to the report, this item was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate (e.g. I was never late on the account)].  I am writing to request that the item(s) be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence to describe any enclosed documentation supporting your claim (e.g. payment records, correspondence). It is best to include any documentation that will help your case.  Be sure to only send copies of the documentation.] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER D
 
Your Name
Your Address
               
Date
 
 
 
Credit Reporting Agency Name
Credit Reporting Agency Address
 
 
Re:  Dispute Letter dated [insert date of initial dispute letter]
 
Dear Sir or Madam:
 
This letter is to inform you that I have not received a response to my dispute letter dated ______________, 20_____.  This letter was sent [certified/registered] mail, the receipt of which is enclosed.
 
Under the laws of Australia, you are required to respond to any dispute inquiries within 30 days.  Since 30 days have passed since your receipt of my letter, you are in violation of this requirement.  Failure to comply with these federal regulations may result in an investigation of your credit reporting agency by Privacy Commissioner.
 
I would very much like to avoid taking any further legal steps regarding this matter and would appreciate a prompt response to this letter.  For your convenience I have enclosed a copy of the original letter that I sent to you on ___________, 20__ and copies of the supporting documentation.  The following item(s) on my credit report need to be corrected as soon as possible:
[insert a description of the account in question: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx]
 
If you require any additional information, please do not hesitate to contact me.
 
 
Sincerely,
 
 
 
Your Name
 

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