Identity theft and credit reporting

Where a person has been a victim of fraud (including identity fraud), they can request a credit-reporting body to commence a “ban period” under section 20K of the PA 1988 (see also s 17 CR Code).

During the ban period, the credit-reporting body may not disclose or use the individual’s credit report unless the individual expressly consents in writing.

The person can then request a correction to their credit report in accordance with the above process.