My identity or credit file was used. Why was I not notified?

During pilot, this could be due to:
Limited coverage

• We may not have coverage of the merchant where your identity was used. Truyu is currently in its early stages and our merchant coverage for Identity Check Alerts and monitors a majority* of Australian businesses that run identity checks using systems which match your identity information against information held by the document issuer or official record holder using third party systems. Banks, telcos and gambling companies are common examples of businesses that run identity checks. We cannot alert you when your identity is used at merchants who use an ID verification gateway service provider who is not partnered with us, or verified offline. Read more about it here.
  • Let us know where your identity was used by reaching out through the contact form on our website and we may be able to grow our network to partner with them.
• Your credit file may have been accessed via another credit reporting agency, Equifax or Illion.
• You may have signed up with a different name. We cannot detect you if your registered name is different to the name presented to the merchant we have coverage of. Read more about it here.

A change in your details

• If you've recently updated your personal details (such as a change of address), your credit file may not reflect these changes yet. Make sure your creditors have your latest information so they can notify Experian to update your records.
• We may not be able to detect you if the name you registered with differs from the name provided to the merchant we monitor. Read more about it here.

If your identity was used, and it was not you, or your credit file was accessed fraudulently, we recommend you contact the business immediately, as well as place a ban request at each credit reporting agency; Experian, Equifax and Illion.

If you know what identity document was used, you should consider replacing it.