(1) A person has a right to
(a) receive a copy of information proposed to be provided by a data provider to a credit bureau on the person on request,
(b) physically call at the offices of a credit bureau during normal business hours and inspect a file or information concerning that person held by the credit bureau without charge
(i) once within a period of twelve months,
(ii) if so ordered by a Court or tribunal, and
(iii) once within a reasonable period after the person has challenged information given to verify whether that information has been corrected,
(c) inspect a file containing information concerning the person held by the credit bureau at another time, on payment of a nominal fee.
(2) A person has a right to
(a) challenge the accuracy f information held by a credit bureau on a person, and
(b) require the credit bureau to investigate the accuracy of the challenged information, without a charge to the consumer.