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Credit Reporting Annual Report

Equifax Credit Reporting Annual Report 2022/2023

Clause 23.11 of the Privacy (Credit Reporting) Code 2014 Version 2.1 (CR Code) requires Equifax to publish on its website an annual report (Annual Report) that includes the following information:

  • Statistics relating to access requests, corrections, complaints and serious credit infringements;
  • A summary of our monitoring and auditing activities;
  • Statistics relating to comprehensive credit reporting, namely the disclosure to Equifax of consumer credit liability information (CCLI) and repayment history information (RHI); and
  • Any other information requested by the Office of the Australian Information Commissioner from time to time.

This Annual Report has been prepared in accordance with the requirements of clause 23.11 of the CR Code for the period 1 July 2022 to 30 June 2023 in respect of the Equifax Australia Information Services and Solutions Pty Limited credit reporting body.

Periodic Independent Review

Report on independent review of Equifax compliance with Part IIIA of the Privacy Act, April 2021

Paragraph 24.2 of the Privacy (Credit Reporting) Code 2014 (CR Code) requires a Credit Reporting Body, such as Equifax, to commission every 3 years (or more frequently if the Privacy Commissioner requests) an independent review of its operations and processes to assess compliance with its obligations under Part IIIA of the Privacy Act 1988, the Privacy Regulation 2013 and the CR Code.  The review report and Equifax’s response to the review report must be made publicly available.   

In 2020, Equifax commissioned an independent review by BDO, in accordance with its obligations under paragraph 24.2 of the CR Code. Equifax welcomes the release of BDO's report and the findings of the review. BDO's report can be accessed at the following link:

Other Reports Available For Download