Data Protection Act 2018: UK's implementation of GDPR, establishing rights regarding personal data processing and the right to rectification of inaccurate data. Primary legislation governing personal data protection in England and Wales.
UK General Data Protection Regulation: Post-Brexit adoption of GDPR principles into UK law, setting rules for personal data processing, individual rights, and requirements for data accuracy maintenance.
Consumer Credit Act 1974: Key legislation governing consumer credit information and establishing consumer rights related to credit records and reporting in the UK.
FCA Credit Information Market Requirements: Financial Conduct Authority guidelines specifically addressing credit reference agencies and requirements for handling credit information in the financial services sector.
ICO Guidelines: Information Commissioner's Office guidelines establishing best practices for data handling and procedures for correcting personal information in credit reports and other records.
30-Day Response Timeline: Statutory requirement under UK data protection laws for organizations to respond to data correction requests within 30 days of receipt.
Right to Rectification: Fundamental right under UK data protection law allowing individuals to request correction of inaccurate personal data held about them.
Appeals Process: Legal requirement for credit reference agencies and data controllers to maintain a clear appeals process for cases where removal requests are denied.
