(1) A credit bureau shall ensure that it keeps and maintains complete and accurate records regarding the credit information required for the provision of —
(a) credit reports under section 19; and
(b) value added products under this Act.
(2) A credit bureau commits an offence if the credit bureau —
(a) contravenes subsection (1); or
(b) wrongfully or unlawfully alters, modifies, deletes or otherwise processes any data subject information or record in its database,
and is liable, on summary conviction, to a fine not less than $10 000 but not exceeding $100 000.