Illion

Worst service ever! Good luck if you manage to get a reply out of this mob. The phone keeps disconnecting - the help desk does not understand English or are completely incompetent - the sales reps are never available or on leave - it goes on and on. I have no idea how they manage to stay in business. And to make it worse - every credit report I have purchased from them is missing information - a lot of it. Show details

Actually surprisingly a good experience. Once I realised they had some incorrect information on my file, it was easy to get into their portal, check the details, lodge a complaint, and their phone support staff (Sharmil) was effective and efficient in identifying the error and removing it quickly. Show details

The team do not understand the requirements. They close the ticket before it is resolved. I could not even get to my dashboard site, even though I mentioned clear requirements. Show details

They are destroying my credit rating in the last 6 months or so. I have lots of applications that shouldn't be there and how they calculate their rating? How can I have a good credit rating with all others and bad with them? No defaults! This is ridiculous and if you try to apply for a loan they are used by every single lending organization. What is going on? :-( Show details

*Public Notice* AFCA Determination 12-24-129825 against illion Data Registries Pty Ltd "In the circumstances, I consider the financial firm acted in error on 30 October 2023 by updating the CCLI information to record the account as remaining open. The complainant’s credit report showed the account as being open for a period of approximately… Read more

nine and a half months after the RHI notification, where it should have shown as closed."

AFCA Case - 12-24-159933 aginst illion Data Registries Pty Ltd - Illion admits to credit reporting errors "We acknowledge that the reporting was incorrect, and we apologise for the inconvenience caused by this error".

Please contact me via consumer_protections@outlook.com

If you would like assistance on how to initiate your own AFCA investigation or join my current suit that I have lodged against Illion through the Office of the Australian Information Commissioner for systemic credit reporting breaches impacting many consumers and their lending abilities.

For those consumers questioning their credit rating dropping and the chaos that is Illion's operation, perhaps squiz them on their own 'credit rating' woes: https://www.bankingday.com/experian-illion-equifax-debt-laden-losing-money-in-australia My review at core is as an Adviser and I can see how they are losing money as early as a couple of… Read more

years ago per the report above.

From an operational and adviser-workflow perspective, Illion represents one of the most consistently underperforming service providers we have encountered in the New Zealand advice ecosystem.

Despite commanding premium pricing, the product delivery fails to meet even baseline expectations for accuracy, reliability, or administrative competence. Routine processes are unnecessarily convoluted, support response times are poor, and error resolution often introduces further complications rather than remediation. The net effect is excessive friction, wasted adviser time, and increased downstream risk — all of which are unacceptable in a regulated financial advice environment.

The most concerning issue is not a single failure point, but a systemic pattern: substandard execution across onboarding, ongoing administration, and issue management, with little evidence of accountability or continuous improvement. For a provider embedded so deeply into financial decision-making workflows, this level of operational failure is indefensible.

As a side note, for NZ Mortgage Advisers currently using Illion we highly recommend AffordX presents a materially stronger local alternative. It is purpose-built for the NZ market, aligned to adviser workflows, and demonstrably more responsive from both a product and support standpoint. The platform delivers the functionality advisers actually require, without the excessive cost and operational drag associated with Illion (and the catastrophic service delimma).

I was required to use illion when applying for a very small loan. I use 2 different banks so used scraping for first one with no problems but with the second it continually said my password/numbers were wrong. After several days of trying, timing out etc I contacted illion who still haven’t replied and the bank who informed me I was breaking… Read more

Australian banking laws by putting my details into anything that wasn’t their bank! I changed/updated my details with the bank and successfully used illion scraping. But then the lender contacted me and said they only had the second illion statement and could I do the first one again! NO WAY, forget you damn lone, I’ll just save for a bit longer. And after reading these reviews I’m definitely giving illion a wide berth!

waste of time – waste of my time, annoyed that some of my application fee for a mortgage is going to this outfit. It didn't work on a major credit card despite it being in the list, didn't work on bank of Melbourne even though i used the correct login details, didn't work on two other lenders that are not mainstream, so you end up using this website for a little… Read more

of your stuff and having to provide all the other stuff the lender needs via the traditional methods

the fact they have one star but are still allowed to access your bank details is scary

Funniest and idiotic – I Applied for a step pay account with my Bank and I Got the account what is the issue with these Private Organisation? Why did they cut 44 points because i got a step pay account? Is this funny? How are governments allowing these jokers to even operate? Show details

SCAM - NONE RESPONSIVE - NO FACTS – If i could rate 0 star i would. The whole process is a scam! my partner and i have been running our business successfully for over 5 years and we required a stand pipe from the Water corporation and to obtain that a credit check was required. Water corp used Illions to do a credit check and they rated us "Average risk for both Late Payment Risk… Read more

and Failure Risk scores". I reached out to Illions to find out how they had come to this conclusion or where did they get this information from and I was told that i needed to purchase a comprehensive report to gain access to the report. I Paid $390 and on that report they did not give me any different information that could help. After 2 months of chasing and putting in a complaint this was the response I received,

Thank you for your patience while this matter has been investigated.

Please see below a breakdown of what factors may be a contributor to the scores currently presenting, noting that directorship characteristics usually means performance of other businesses under that director

Key influencing factors for Failure Risk The age of this firm indicates a potentially higher risk of failure The location of this firm indicates a potentially lower risk of failure The size of this firm indicates a potentially lower risk of failure The structure of this firm indicates a potentially lower risk of failure No evidence of court action(s) exist for this firm in the illion database within the past 5 years No evidence of adverse information against the director(s) of this firm exists in the illion database within the past 5 years

Key influencing factors for Late Payment Risk The location of this entity indicates a potentially lower risk of severely delinquent payment Directorship characteristics indicate a potentially higher risk of severely delinquent payment The demographics of this entity indicate an average risk of delinquent payment Payment information (of $100 or more) is unavailable in the illion database within the past 12 months No evidence of court action(s) exist for this entity in the illion database within the past 5 years No evidence of adverse information against the director(s) of this entity exists in the illion database within the past 5 years Additionally, if you submit missing information if available that can help increase your current scoring.

I hope that this provides you with some additional context

Yours sincerely,

[Name Removed]

Complaints Resolutions Officer

You can't win with this place terrible – Terrible . My credit rating went down by 45 and I haven't been applying for any credit and have no defaults what so ever. Other place put me up by 150. I'm so confused Show details

Parameters are missing from the API – They don't upload statement from minor Banks e.g. Ubank, Afterpay, South West Credit union ect... So if your in that minority their services are null. Show details

Unresponsive organization that makes me wonder if I have scammed into providing personal details – Applied for the free credit report. Registered on line and received website confirmation that all details had been successfully provided. Logged back in again to their website and being prompted again to provide personal details. Re-entered required personal details. Logged back in again a day later and still being prompted to provide personal… Read more

details. Sent an email to them advising them of the issue. No reply. One week later sent an email asking for timeline when the free credit report would be available. Have had no reply. Have sent follow up emails and again received no replies. I have now found out from scam-detector "https://www.scam-detector.com/validator/illion-com-au-review/" that they have a terrible trustworthy score of 6.8 out of 100. This does not give me confidence that I am dealing with a reputable organization. Am concerned that I have been scammed into providing personal details.

Worst credit score company – An inquiry was made on my account as ongoing credit. I never applied for that and tried to communicate with illiion but it resulted in no cooperation from illiion what so ever. I have good credit score with other too credit score companies but bad with illiion not coz of me coz of their bad procedures I believe they are implicit in this blackmailing tactics. Show details

Rejected Credit Check without reason – My electricity provider required a credit check and they go through Illion. It was rejected and I was unable to sign up. The provider did not have any information on why they didn’t pass me though. I was concerned about identity fraud but the credit check company I use did not flag anything and my credit was over 800. So I signed up with Illion… Read more

to check… and got a score of 906! The process to get this checked is tedious and time consuming. I raised a complaint directly through Illion but have not heard back yet.

Not a responsible credit rating provider – I got 800+ score in Experian and 500+ in Illion report. I was trying to discussed this with Illion, but phone never answer. you are making money using our information. So be responsible for what you do and support you customers, answer the phone. Show details

Oh, you save your money? You get a bad score! This is a scam – They reduce your credit score by nearly half of you don’t have a mortgage. They will reduce your credit score if you don’t have a credit card. Basically they will give you a good score if you are in massive debt but are paying it off slowly, but tank your score if you are paid up to date on everything but save to buy things. This is a nonsense… Read more

score - my other score are all in ‘excellent’ range but this one is saying I’m a bad debtor. It reeks of predatory practices

illion Australia - An Arogant, Ignorant and Grossly Incompetent organisation! – Virgin claim that illion could not confirm our identity. What a crock of s..t! Emailed illion demanding a copy of the info they were sent by Virgin and that which they sent to Virgin. They have not responded. After consulting our Solicitors we have now written to both illion and Virgin demanding an explanation. Show details

Absolute pish – Applied for a mortgage only to be told that my wife had all sorts of loans, credit cards and other debts from 2008, oddly we didn’t arrive in Australia until 2015!!! They have refused to update the files. They suggested we pop into the bank branch in Melbourne where the debt originated to contest the information. We live in Darwin……. Show details

Illion bankstatements – Hi I am going for car loan the lender sent a link for bank Statements illion bank statements it won't work for regional Australia Bank what should I do they won't give me the loan with out it it keeps saying it doesn't recognise my bank can someone help me please?????????? Show details

90% incorrect report - I have disputed almost 90% information they have on my credit report – 90% incorrect report - I have disputed almost 90% information they have on my credit report.I never knew if they exist, i get to know when they provided wrong information to my bank- westpac, and I was surprised by the number of wrong entries. When I asked them to correct they said go to the bank branch, how would I go to the bank branch where I… Read more

have never been and never had any account in my whole life. Even the attitude of customer service is so wrong that they are neither helpful nor point you in right direction. They have put wrong history/information of my credit. When I am happy to assist with all of the questions and prove it's wrong still no helpful response. feeling so devastiated and caused me lots of stress and anxiety. who give them right to post wrong information and even worse supply wrong infomation to the banks as well. It is like you are culprit when you not done anything wrong and on contrary you have to waste your time to correct it and correction method is impposible or simply they do not want to correct. when I go to their mentioned banks as banks said they have no record of my account or anything when going back to them and it felt like never ending loopand why I am doing this when it is not my responsibility as it is wrong information they claimed based on no evidence and no where! uttermostr disappointment and extremly stressful.

Stoned Bankers and their mates – Paying off five loans gives you a credit rating in the mid 900s, pay them off in half the agreed time and suddenly your credit rating drops by 300...

Rubbish and incorrect data – Checked my Illion credit report and on 02/08/22 had an ANZ credit card appear that was closed 20 years ago. Also my address and employer were updated to where I was 20 years ago. It appears illion and ANZ are in bed together. Report to AFCA

worst service – received a notification from Creditsimple/Illion that I had an ANZ credit card closed 02/08/22 - opened in 1998. I didn't even apply for my first line of credit/credit card until 2006. have contacted and waiting now for an answer as to why some random entry is on my file, when it isn't mine and doesn't show in Experian or Equifax.

DISGRACE – I have been trying to help my wife out with her credit score with Illion. Yes she has a default no argument there but Illion have the account recorded twice and shows no payments in 4 years. Her employment has changed and she hasn't been a company director now for 10 years. Provided evidence of the to Illion tp counter everything they had recorded… Read more

including Centrelink pension statement, comapny extracts, receipts for payment installments made and they refuse to correct anything. Absolute joke of a business that affects peoples lives.

Fake and unfair details – They have fake and unfair details. They keep recording the loans that I did not take so far. Very unfair scoring system. Even I have no way to fix them as I did nit take any loans.

Inaccurate scoring – How can my score with Equifax and Experian be Very good (782 and 771 respectively) but 431 with these guys? They must be using an outdated algorithm and need to be investigated for the damage they are doing to the system. The low score prevents people from getting access to credit and if they do, getting good rates.