Consumer Credit Act 1974: Primary legislation regulating consumer credit and consumer hire agreements in the UK. Provides the fundamental framework for credit reporting and dispute resolution processes.

Data Protection Act 2018 and UK GDPR: Core data protection legislation that governs the handling of personal data, including financial information. Grants individuals the right to challenge and rectify incorrect data on their records.

Consumer Rights Act 2015: Legislation providing consumer protections regarding goods and services, particularly relevant when disputing charges for medical services and their subsequent reporting.

Credit Information Market Study Order 2021: Regulation specifically focused on credit reference agencies and establishing standards for credit reporting in the UK market.

Financial Services and Markets Act 2000: Comprehensive regulatory framework for financial services in the UK, including provisions relevant to credit reporting agencies and their operations.

Financial Ombudsman Service (FOS) Rules: Guidelines and procedures governing the dispute resolution process, including specific protocols for handling complaints related to credit reporting and billing disputes.