This template can be used to assist you in showing the Credit Providers where errors were made in reporting the payment default to Credit Reporting Bodies (CRB). If the default is reported in error, this can be used as a case to have the default removed.
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DATE: <Insert Date>
TO: <Insert CP’s Name>
<Insert CP’s Address>
Re: Customer Account # <Insert Customer Reference/Account Number>
I note that <Insert CP’s Name> has recorded a default payment on my consumer credit file with a Credit Reporting Body:
Credit File Reference Number (PAS): <Insert PAS Number>
Date of Default Listing: <Insert the Reported Date of the Default>
Reference Number of the Default Listing: <Insert Customer Reference/Account Number>
I have reviewed the best practice guidelines of Privacy (Credit Reporting) Code 2014 (Version 2) as described by the Office of the Australian Information Commissioner (OAIC).
Relying on the above best practice guidelines as published on the OAIC website, I claim:
The default listing was made in error.
There were potential compliance breaches made by you in the debt collection process, specifically in the following areas:
<Insert the Breaches Detected>
I maintain that your company potentially breached the debt collection and credit reporting process as regulated by CR Code 2014 v2 and contained within sections 2 – 23, I therefore respectfully request the entries reported by you to any Credit Reporting Body (CRB) regarding this account be removed.
As per the Code your company has 30 days to respond and correct the errors. Non-compliance of the Code can incur company fines, director’s fines and staff fines.
<Insert Full Name>
Customer Account Number – <Insert Customer Reference/Account Number>
Please provide written communication only via this email: <Insert Your Email Address>