Credit Report Dispute — Letter to Equifax / Experian / illion

What this document does

• A formal dispute and correction request to the credit bureau itself under Part IIIA of the Privacy Act — the entries in a table, the ground for each, the section the bureau must act under, correction or removal within 30 days, a free corrected report, a fraud ban period where you need one, and the AFCA/OAIC escalation set up.
• Records the facts that matter on paper: credit reporting body (bureau), disputed entries (type, provider, date, amount, reference), ground for each entry, date of birth.
• Sets a clear deadline and spells out what happens if they ignore it.
• Cites the Commonwealth law and national bodies that apply the same way in every state and territory.
• You review the draft first; we only send it to the other party on your say-so.

What we'll ask you

Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.

1. Which credit bureau is the report from? Equifax, Experian or illion. Each letter goes to one bureau: if the wrong entry also appears with another bureau, start a second letter for that one.
2. Tell me the story — how you found out (declined loan, checked your report, a broker flagged it), what's on the report that shouldn't be, and why it's wrong.
3. List each entry you're disputing exactly as it appears on the report: the type (default, credit enquiry, repayment history marker, court judgment, account that isn't yours, personal details), the credit provider or company named, the date shown, the amount, and any reference number. One line per entry.
4. For each entry, why is it wrong? Pick what fits and add a line: I was never sent the overdue notice or the warning it would be listed; I'd paid before it was listed; it isn't mine / identity fraud; the amount is wrong; it's a duplicate; it was under $150; it's older than the 5-year (or 2-year) limit; I'd disputed it with the provider and it was listed anyway; I paid it but it still shows unpaid; the debt is too old to sue on; a hardship arrangement was in place; wrong name, address or date of birth.
5. What is your current address?
6. What is your date of birth? The bureau uses it to find your file.optional
7. Any previous address you lived at when these entries were made?optional
8. What proof do you have? A copy of the report, bank records or receipts of payment, proof of your address at the time, emails or complaint references with the provider, a police report or ReportCyber / IDCARE reference for identity theft.optional
9. Is there a deadline? A loan or refinance settling on a date, a rental application, a car on finance — tell me what and when so the letter says why the 30 days matters.optional
10. Do you believe someone has used your identity to open an account or make an enquiry?optional
11. Do you have the bureau's corrections or disputes email? (Equifax, Experian and illion each publish one on their 'corrections' help pages.) Once you approve the letter we can send it straight to them.optional
12. Your state or territory — for your address and the date on the document.
13. Your name and email — so the draft lands in your dashboard and inbox.