23AIndividual may complain about a breach of a provision of this Part etc.

#### 23A 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.