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In Australia, there are various different free options to dispute your negative listings if you believe the provider hasn’t followed current privacy laws. Please see below various links which include the 3 main credit reporting bodies in Australia which you can submit a complaint to at no cost and they will respond within 30 days, ombudsman’s,  the  information commissioner, Australian Financial Complaints Authority, the national debt helpline to assist if you are struggling to keep up with debts and the smart money ASIC website

Credit Reporting Bodies

Equifax –

illion –

Experian –


Australian Financial Complaints Authority (AFCA)

Australian Financial Complaints Authority (AFCA) –



The Telecommunications Industry Ombudsman (TIO) –

Ombudsman NT –

Ombudsman Tasmania –

Energy & Water Ombudsman SA (EWOSA) –

Energy & Water Ombudsman WA (EWOWA) –

Energy & Water Ombudsman NSW (EWON) –

Energy & Water Ombudsman QLD (EWOQ) –

Energy & Water Ombudsman VIC (EWOV) –

information commissioner

The Office of the Australian Information Commissioner (OAIC) –

National debt helpline

Smart money ASIC

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