Disputed Transaction Help

                       

There are a number of situations that you could wish to rectify, the details for each of these are outlined directly below;

1.     Disputed transactions

2.     To request a correction or investigation into the identity content of your credit file

3.     TINZ Dispute Resolution Process

 

Disputed Transactions

 

Step 1

If you believe an entry, made by a TINZ subscriber (property manager/landlord/letting agent or a collection agent), is incorrect or invalid you need to first make every effort to resolve the matter directly with the TINZ subscriber or debt collection agency. The full name of the TINZ subscriber or debt collector will be named on your credit file. If you do not have a copy of your TINZ credit file, click here to get a self-check done.

If you have not been satisfied with the response, or outcomes, from the subscriber or debt collection agency and you feel that your issue is legitimate then you can contact us about the issue in writing.

Please note that the reports, that are accessible by TINZ subscribers, are different than the ones you can obtain by a self-check via the above link. The reports that are supplied to TINZ subscribers include a report on your general credit from Dun & Bradstreet. We don’t have an arrangement with Dun & Bradstreet to be able to supply you this information on a self-check. This means you will have to access this report via Dun & Bradstreet.

This also then presents the issue that if you are given a TINZ report by a TINZ subscriber and you disagree with what is reported by Veda Advantage, Ministry of Justice Tenancy Tribunal or The CIA Debt Recovery Group Ltd you will have contact them direct. Their contact details can be found at the foot of this instruction narrative.

Step 2

Forward your written request to TINZ and ensure that you advise us of the steps that you have already taken to resolve the issue with the Credit provider and collection agent.

Your letter should include:

  • Your request for TINZ to investigate your issue for you
  • The name(s) and contact details of the people that you have already spoken to as well as the dates of telephone calls and or meetings.
  • Any email correspondence you may have regarding the incorrect/invalid information
  • A short explanation of the issue you have in relation to the detail within your credit file so that we can investigate the matter for you
  • Attach all copies of payment receipts and any other relevant documentation that may assist us during our investigation process.

If you believe that some information on your TINZ credit file has not been caused by your actions and may have been caused by another individual committing fraud such as using your identification document then you need to;

  • Promptly report the matter to the police
  • Promptly report the matter to the fraud department of each of the TINZ subscribers involved.
  • Advise us the Police complaint file number and details so we can record this on the TINZ system.

When you do this the Police and the TINZ subscribers will conduct their own investigations. Please have the TINZ subscribers notify TINZ of the outcome. Only when this step is completed by you we will be able to remove any fraudulent activity from your credit file.

Because you are responsible for the management of your financial affairs, accounts and identity it is your responsibility to contact the TINZ subscribers directly to make them aware of your situation and so that they can update your account records held with them to reflect the current situation.

If you do not promptly inform your TINZ subscriber of your situation they may hold you responsible and liable for the bad debt incurred because they are not aware of your circumstances.

 

To request a correction or investigation into the identity content of your credit file

 

This refers to the "Identity Details" section of your credit file.

Step 1

You will need to write to us and tell us what you would like corrected or investigated. The request for a correction or an investigation normally arises from entries recorded on your TINZ file by a TINZ subscriber or a debt collection agent

You do not need to fill in a form but your written request must include the following information:

  • Your full name and current residential address
  • Full details of the corrections or investigation you are requesting
  • Attach all of the relevant information and documentation that you have to support your request (i.e Police Complaint acknowledgement - please note that this supporting documentation is vital for the fulfilment of your request)

Step 2

Forward your letter together with the supporting documentation as detailed in Step 1 to:

Email:                                    personalchecks@tinz.net.nz

Mailing Address:              Tenancy Information N Z Ltd
                                              P O Box 105524
                                              Auckland City
                                              Auckland 1142    

 

TINZ's   Dispute Resolution Process

 

TINZ has a complaints procedure in place that we must follow if you believe we have breached the Code. The object of our complaints procedure is to facilitate the fair, simple, speedy and efficient resolution of complaints.

Under our complaints procedure:

We will acknowledge your complaint in writing within 5 working days of receipt, unless it has been resolved to your satisfaction within that period

Within 10 working days of acknowledging your complaint we will continue to investigate your request and advise you if it is justified, or if additional time is required to investigate and the reasons why

Upon completion of our investigation we will advise you of our decision, the reasons for it and any action we propose to take.

If you have utilised our complaints procedure and are not satisfied with our resolution you may wish to appeal. If you have any further information that we should consider, then please forward the details with your appeal to:

Email:                                    personalchecks@tinz.net.nz

Mailing Address:                 Tenancy Information N Z Ltd
                                              P O Box 105524
                                              Auckland City
                                              Auckland 1142    

If you are not happy with the decision TINZ has made about the complaint, then you may choose to take the matter to the Privacy Commissioner who has statutory powers to investigate the matter. Some cases that cannot be settled can be taken to the Human Rights Review Tribunal.


We must take reasonable steps to ensure the accuracy of information we hold about you and must act promptly to correct any errors we become aware of. This will usually involve checking the information you provide with the source, such as a subscriber (or creditor) who submitted a default, rating, 14 day notice, warning or photo.

    If you think there are inaccuracies in your file there are steps you can take to request that we correct them or have them investigated. These steps are outlined above.

We must, as soon as is reasonably practicable, decide whether to make the correction you have requested or to confirm the accuracy of the information. If we need longer than 20 working days to make a decision we must notify you of the extension and the reason for it. If the requested correction is not made, we must tell you the reason and you may ask to have a statement of the correction sought but not made. This statement will be included in your credit file.

If a correction is made, or a correction statement added, we will send an amended report to any TINZ subscriber recorded as having accessed your credit file within the last 30 days.

Please note that a credit file describes your credit history, not simply your current debts. For example information about a default that has subsequently been paid in full can continue to be reported on your credit file, provided it should be updated to reflect the later developments, as it remains an accurate statement of those historical events.                

 

Contact details

Dun & Bradstreet NZ 

Telephone:                       0800 362 222 (Opening hours Mon-Fri 9.30am - 6.00pm)

Email:                                pacnz@dnb.co.nz 

Mailing Address:             Dun & Bradstreet
                                           PO Box 9589 Newmarket
                                           Auckland 1031

 

The C.I.A. Debt Recovery Group Ltd

Telephone:                       0800 111 007 (Opening hours Mon-Fri 9.00am - 5.00pm)

Email:                                admin@cia.co.nz

Mailing Address:           The C.I.A. Debt Recovery Group Ltd

P O Box 106472
Auckland City
Auckland 1142    

 

 

 

Ministry of Justice, Tenancy Tribunal

Telephone:                       0800 83 62 62         

Email:                                info@justice.govt.nz

 


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