The credit reporting agency shall accept the objection application in accordance with the provisions of the supervision and administration department of the State Council credit reporting industry, complete the verification and processing of the objection information within 20 working days from the date of receiving the objection application, and give a written reply to the objection applicant.
If an individual files an objection application and the credit reporting agency fails to handle it in accordance with the provisions of the preceding paragraph, the information subject has the right to request the credit reporting agency to delete all its information at one time in writing.
Legal basis: Article 15 of the Regulations on the Administration of Credit Information Industry. When an information provider provides personal bad information to a credit information agency, it shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.