Where a person has been a victim of An intentionally dishonest act, or lack of action, done to deceive someone and bring some advantage over those who have been deceived. (including identity fraud), they can request the credit-reporting bodies to commence a ‘ban period’ under section 20K of the PA 1988 (see also CR Code). A person can ask the credit-reporting bodies to notify each other of the request to place a ban period on A debt that does not have to be paid until some future time. Being allowed to pay later, in the future, for something you are getting now. applications.
During the ban period, the credit-reporting bodies 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.