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(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.