Section 20: Offences upder the Act.

(1) A person who-
(a) contravenes section 2 of this Act or provides credit bureau servicesafter a licence has been revoked or suspended commits an offence under this Act;
(b) intentionally or negligently provides inaccurate, incomplete, misleading
or false information to Credit Bureaux, Credit Information Provider, Credit
Information User or Data Subjects commits an offence under this Act;
(c) intentionally or negligently discloses Credit Information in
contravention of the provisions ofthis Act commits an offence under this
Act;
(d) tampers or alters Credit Information received in such a manner as
incorrectly represents the information received commits an offence under
this Act ;
(e) intentionally or willfully obtains information from a Credit Bureau
under false pretence or for a purpose other than a permissible purpose
commits an offence under this Act;
(f) uses Credit Information for a purpose other than a permissible purpose
commits an offence under this Act;
(g) wrongfully alters, modifies or delete records by a Credit Bureau
from its database commits an offence under this Act;
(h) makes an unauthorised disclosure or use of Credit Information, or
provides Credit Information to any person carrying on the business, or
performing the functions, of a Credit Bureau without a licence commits an
offence under this Act; and
(i) fails, either as Credit Information Provider or a Credit Bureau to
submit or update data within the timeframe stipulated under this Act or
within such other time frame that may be specified by the Bank commits
Ian offence under this Act.
(2) Any person being a director, manager, secretary or other similar
officer of a Credit Bureau who fails to take all reasonable steps to--
(a) secure compliance by the Credit Bureau with the requirements of
this Act; or
(b) correctly represent-information received in any statement submitted
under the provisions of this Act, commits an offence.