Your 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 an important 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 accurate. 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.

If you feel the information contained within your Experian credit report is incorrect, you can seek to have the information corrected. View the detail on your topic of interest below.

If you believe there is incorrect or incomplete information on your Experian credit report, it is important that you raise your concern. The information used to generate a credit report is provided to Experian by credit providers, such as banks and other financial institutions. The fastest way to have information corrected on your Experian Credit Report is to speak directly with the credit provider that provided the information. Alternatively, you can raise a correction request with Experian through our Experian Credit Report Corrections Portal.

Here are some useful resources for checking and correcting your Experian credit report:

 

To make the process as simple as possible, we suggest having the following information to hand when making a correction request:

  • Experian credit report number (order your free credit report here)
  • Full name
  • Date of birth
  • Driver’s licence number
  • Current and previous residential addresses
  • Specific data that needs to be corrected
  • Evidence – such as a letter from a bank, account closure statement etc. that proves that the data is incorrect

Find out more about raising a correction request here.
 

Here are some examples of the varying types of corrections you can raise with your credit provider. Alternatively, Experian can raise a correction request with the credit provider on your behalf:

  • Credit enquiries
  • Credit account information such as: credit provider information, date of opening, date of closure
  • Repayment history
  • Bankruptcy
  • Court actions
  • Access records

Find out more about raising a correction request here.
 

The data in your Experian credit report is based on the information provided to us by credit providers. Experian are not authorised to amend or change any data without the specific written consent of the lender who provided the information to us. It is a good idea to approach the respective credit provider directly to change your personal information. Find a comprehensive list of Australian credit providers here.

Once we receive your correction request, we will provide you with email confirmation that it has been received. Our team will investigate your request within 30 days and provide you a response of our findings and decision via email. We may notify you that there is a delay and seek to extend this time if we have not concluded our investigation within this timeframe.

If you are unhappy with the outcome of a correction investigation or would like to make a complaint, please contact our Internal Disputes Resolutions Team via email creditreport@au.experian.com or visit our Experian Complaint Handling page.

You can also contact the Australian Financial Complaints Authority. Please note that AFCA will likely encourage you to try to resolve your issue with us first before they get involved in investigating your complaint.

AFCA contact details:

Australian Financial Complaints Authority
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Address: GPO Box 3, Melbourne, VIC 3001