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 things up-to-date. We take every precaution 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 credit report.

Contact the relevant organisation(s) directlyContact 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

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.

Please provide us with clear and legible copies of the following forms of ID:

  • 1 document from Groups A, B and C OR
  • 1 document from Group A AND 3 documents from Group C
Group AGroup BGroup C
  • Driver's licence issued by an Australian State or Territory
  • Roads and Maritime Services (formerly RTA) photo card
  • Licence or permit issued under a law of the Commonwealth, a State or Territory Government (e.g. boat licence)
  • Proof of Age Card (Government issued)
  • Passport
  • Working with Children/Teacher's Registration Card
  • Public Employee Photo ID (Government issued)
  • Identification card issued by the Commonwealth, a State or Territory Government as evidence of your entitlement to financial benefits
  • Medicare card issued by Health Insurance Commission
  • Centrelink card issued by Centrelink
  • Department of Veteran's Affairs card issued by DVA
  • Credit card or Account card issued by a financial institution in Australia
  • Foreign / International Driver's Licence
  • Australian Tertiary Education Institution Photo ID
  • Motor Vehicle Registration or insurance papers
  • Property rates notice
  • Home insurance papers
  • Property lease agreement
  • Utility bills (e.g. phone, electricity or gas)
  • Bank or credit card statements showing your current residential address

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