42. Right to review
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(1) Without prejudice to the provisions of Part 6 —
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(a) where a credit bureau does not issue a decision within the prescribed time for resolving a dispute respecting a data subject, the aggrieved data subject may seek a review of the action or conduct of the credit bureau;
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(b) where a data subject is not satisfied with the decision of a credit bureau in relation to a dispute under this Act, the aggrieved data subject may seek a review of a decision of the credit bureau; or
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(c) an aggrieved credit bureau may seek a review of the action or decision of the Central Bank.
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(2) The aggrieved data subject or the aggrieved credit bureau seeking the review shall within 20 days of the date of failure to make the decision or, as the case may be, the receipt of the decision, file an application for review with the secretary to the Review Commission.
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(3) Where payment of a deposit is required in respect of the application for review, the aggrieved data subject or, as the case may be, the aggrieved credit bureau shall make the payment to the Review Commission.
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(4) The application for review shall be in the English language and shall be accompanied by —
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(a) the decision or conduct in respect of which the application is filed;
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(b) the written statement of the grounds for the review;
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(c) all documents and materials respecting the decision or conduct in respect of which the application is filed; and
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(d) where applicable, documentary evidence with respect to payment of the deposit referred to in subsection (3).
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(5) The deposit made under this section is liable to be forfeited if the Review Commission determines that the application for review is frivolous or irrelevant or is not made in good faith.
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(6) For the purposes of this section —
“aggrieved credit bureau” means any credit bureau that claims to have suffered or is likely to suffer loss or injury by reason of a decision of the Central Bank under this Act or the Regulations; and
“aggrieved data subject” means any data subject that claims to have suffered or is likely to suffer loss or injury by reason of a decision or the conduct of, or a breach of a duty imposed on, a credit bureau by or under this Act or the Regulations.