Section 23A — Privacy Act 1988: Individual may complain about a breach of a provision of this Part etc.

Complaint (1) An individual may complain to a credit reporting body about an act or practice engaged in by the body that may be a breach of either of the following provisions in relation to the individual: (a) a provision of this Part (other than section 20R or 20T); (b) a provision of the registered CR code (other than a provision that relates to that section). Note: A complaint about a breach of section 20R or 20T, or a provision of the registered CR code that relates to that section, may be made to the Commissioner under Part V. (2) An individual may complain to a credit provider about an act or practice engaged in by the provider that may be a breach of either of the following provisions in relation to the individual: (a) a provision of this Part (other than section 21T or 21V); (b) a provision of the registered CR code (other than a provision that relates to that section) if it binds the credit provider. Note: A complaint about a breach of section 21T or 21V, or a provision of the registered CR code that relates to that section, may be made to the Commissioner under Part V. Nature of complaint (3) If an individual makes a complaint, the individual must specify the nature of the complaint. (4) The complaint may relate to personal information that has been destroyed or de-identified. No charge (5) The credit reporting body or credit provider must not charge the individual for the making of the complaint or for dealing with the complaint.