<p>When a <strong>consumer</strong> requests a <strong>credit</strong> report, the said report must disclose  identical information to that which will be displayed should such a  report be provided to a third party.</p>
<p> </p>
<p><strong>If the accuracy of the consumer credit information is challenged by a consumer, </strong></p>
<p><strong>the following steps should be taken:</strong></p>
<ol>
<li>The consumer must contact the credit bureau concerned to raise an objection or lodge a complaint (either TransUnion ITC or Experian);</li>
<li>The bureau has 20 business days in which to resolve the issue;</li>
<li>If the bureau is unable to resolve the issue, the consumer should refer the matter to the <a href="http://www.creditombud.org.za/" target="_blank" rel="noopener noreferrer">Credit Information Ombudsman (CIO)</a>;</li>
<li>Should the CIO be unable to find a resolution, the NCR will intervene on the request of the CIO.</li>
</ol>
<p>Note that the <strong>National Credit</strong>  Regulator will not be able to deal with the complaint until the complainant has first contacted the credit bureau.</p>
<p><strong>Call center numbers of the credit bureau</strong></p>
<table class="table table-bordered table-striped" style="line-height: 15.8079996109009px; height: 65px;" width="576">
<tbody>
<tr class="success">
<th style="text-align: left;" colspan="2">TransUnion ITC</th>
<th style="text-align: left;" colspan="2">Experian</th>
</tr>
<tr>
<td><strong>Consumer</strong></td>
<td>0861 482 482 </td>
<td><strong>Consumer</strong></td>
<td>0861 105 665</td>
</tr>
<tr>
<td><strong>Credit Provider</strong></td>
<td>0861 482 482</td>
<td><strong>Credit Provider</strong></td>
<td>0861 636 070</td>
</tr>
</tbody>
</table>