Read through the following steps to submit a correction to your Equifax Credit Report.
1. Firstly, you need to submit a request to us via our Corrections Portal
2. Once we receive your request, we will provide you with written confirmation that it has been received. If all the relevant information is provided, Equifax may be able to make the necessary amendment straight away. For example, Equifax could update a default to ‘paid’
3. If necessary, Equifax will contact the credit provider on your behalf to have them verify the accuracy, or otherwise, of the correction request.
4. Equifax will then review the information given by the credit provider and make any amendments, if any, to the entry/entries on your Equifax Credit Report
5. Equifax finalises the investigation
Some important information to know
Equifax will notify you in writing what the result of our investigation is. Where appropriate, Equifax will send you a letter notifying you that your Credit Report has been corrected. Equifax will also issue you with an updated copy of your Equifax Credit Report so you can see what has changed.
If a correction is made to your Credit Report, Equifax will identify the organisations to which it has disclosed your Credit Report in the three months prior to it being corrected. It will then notify these organisations of the substance of the correction in accordance with Equifax's obligations under the Credit Reporting Code. Equifax will do this automatically at the time the correction is made.
If a correction is not made, Equifax will write to you setting out in detail the outcome of its investigation and why the requested correction has not been made. In the case of consumer credit information, Equifax will also send you a 'What You Need to Know' document. This sets out your rights under the Privacy Act 1988 and outlines the further steps you can take if you are unhappy with the outcome of the investigation by Equifax.
Once we receive your correction request, we will provide you with written confirmation that it has been received. Our Customer Resolutions team will investigate your request within 30 days and provide a response to you in writing. We may, however, notify you that there is a delay and seek to extend this time if we have not concluded our investigation.