Section 20PPrivacy Act 1988 (Cth)

False or misleading credit reporting information

Offence

(1) A credit reporting body commits an offence if:

(a) the body uses or discloses credit reporting information under this Division (other than subsections 20D(2) and 20T(4)); and

(b) the information is false or misleading in a material particular.

Penalty: 200 penalty units.

Civil penalty

(2) A credit reporting body must not use or disclose credit reporting information under this Division (other than subsections 20D(2) and 20T(4)) if the information is false or misleading in a material particular.

Civil penalty: 2,000 penalty units.

Sourced from the Federal Register of Legislation at 17 May 2026. For the latest information on Australian Government law please go to https://www.legislation.gov.au. Verify the current text against the official source before relying on it.

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