Obtaining Your Credit Report Any individual may request access to his/her credit information from the Credit Bureau. The credit report containing the individual’s credit information can be obtained from Bank Negara Malaysia. The request for the credit report can only be made by the individual. In the case of a business entity or a deceased person, such request can be made by a person authorised by the entity (for businesses) or by the court (deceased). You may obtain the credit report from the Customer Service Centre, Laman Informasi Nasihat dan Khidmat BNM (LINK) of Bank Negara Malaysia, Head Office or Bank Negara Malaysia Regional Offices/Branch. CTOS https://www.ctoscredit.com.my/
PERSONAL / COMPANY CCRIS
CCRIS https://www.ramcreditinfo.com.my/
[email protected]; [email protected];[email protected];[email protected];[email protected]
ANY PROBLEM BEING CREATED DUE TO THIS OR CAUSE ANY FINANCING PROBLEM, WE WILL TAKE ACTION UNDER Penal Code Section 499: Defamation
We enclose herewith a copy of the said letter dated 26.03.2026 for your reference. Kindly take note as there is no subsisting or valid judgment, nor any outstanding arrears payable by our Clients to date, there is no legal basis whatsoever for the continued publication or display of this litigation record in your system.
We would like to highlight that under Section 11 and Section 12 of the Personal Data Protection Act (PDPA), data users are under a statutory duty to ensure accuracy
and currency of personal data collected and processed. As data subjects, our
Clients are accordingly empowered to require correction of any personal data that is
inaccurate, incomplete, misleading and/or not up-to-date. Furthermore, pursuant
to Section 29 of the Credit Reporting Agencies Act 2010 (CRAA), every Credit
Reporting Agency bears a legal obligation to ensure that any credit information
processed, used or disclosed is accurate, complete, up-to-date and relevant.
Accordingly, the continued publication of the said litigation record constitutes a
contravention of the duties imposed under both the PDPA and CRAA.
In view of the above, we hereby formally request that your good office:
(a) Remove and permanently delete the said litigation record within seven (7) days
from the date hereof; and
(b) Provide written confirmation once the removal has been effected, confirming that
no reference to the said case remains in your system or reports issued thereafter.
We trust that your good office will treat this request with necessary diligence and
priority, in line with your statutory obligations under the PDPA 2010 and CRAA
2010. Should this matter remain unresolved within the stipulated time, our Clients
reserve all rights to pursue further legal remedies to safeguard their interests,
without prejudice to any other rights available in law.
Malaysia
