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  • FIRST POST
    • molerat
    • By molerat 19th Aug 12, 7:41 PM
    • 16,987Posts
    • 11,174Thanks
    molerat
    Eon Reporting To Equifax
    • #1
    • 19th Aug 12, 7:41 PM
    Eon Reporting To Equifax 19th Aug 12 at 7:41 PM
    Checked my alerts today and there is a "new credit agreement" on my report. Eon are now reporting as a credit account so bad payments may affect your credit ...... be warned.
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Page 5
    • Chip47
    • By Chip47 6th Jun 17, 2:35 PM
    • 8 Posts
    • 0 Thanks
    Chip47
    Thanks Malc, I complained to EON and they have investigated. EON did nothing different in May 2017 than they have, every month, for the past two years. I am now waiting for an explaination from Equifax as to how they made a standard 'soft search' into something it wasn't! I am currently waiting with bated breath, as contacting Equifax is a drama in itself ;o)
    • molerat
    • By molerat 6th Jun 17, 3:01 PM
    • 16,987 Posts
    • 11,174 Thanks
    molerat
    I am confused by the searches carried out. I have only ever had a hard search done at commencement of contract. Every month is reported but not searched.
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    • Chip47
    • By Chip47 7th Jun 17, 9:31 AM
    • 8 Posts
    • 0 Thanks
    Chip47
    Head and brick wall!

    Step 1. Enter a query with ClearScore. ClearScore pass to Equifax;

    "We understand you recently viewed your ClearScore credit report and requested that some information be changed. ClearScore have passed your request to us here at Equifax so that we can look into it for you.

    Step 2. Equifax respond; "We acknowledge your comments concerning the details on your query. We apologise, however we don't have access on how Clearscore is computing your credit score, we can only suggest that you contact Clearscore directly to verify this information"

    Anyone any suggestions where I turn next?

    • Chip47
    • By Chip47 7th Jun 17, 11:02 AM
    • 8 Posts
    • 0 Thanks
    Chip47
    It all comes down to managing to speak to the correct person, somewhat of a telephone lottery!

    A hard search was carried out in error. EON have now corrected this and Equifax are deleting it, so my ClearScore credit rating will return to 'as was' before the incident begun )

    Only took a week, ten e-mails and eight telephone calls, but there we go. This incident was purely a human error, just a shame it was exacerbated by further human error.
  • E.ON Company Representative: Malc
    E.ON sharing with Equifax
    Thanks Malc, I complained to EON and they have investigated. EON did nothing different in May 2017 than they have, every month, for the past two years. I am now waiting for an explaination from Equifax as to how they made a standard 'soft search' into something it wasn't! I am currently waiting with bated breath, as contacting Equifax is a drama in itself ;o)
    Originally posted by Chip47
    It all comes down to managing to speak to the correct person, somewhat of a telephone lottery!

    A hard search was carried out in error. EON have now corrected this and Equifax are deleting it, so my ClearScore credit rating will return to 'as was' before the incident begun )

    Only took a week, ten e-mails and eight telephone calls, but there we go. This incident was purely a human error, just a shame it was exacerbated by further human error.
    Originally posted by Chip47
    Glad it's finally sorted Chip47 and thanks for letting me know.

    I'm sorry it took so long to put right and for doing a hard search when we shouldn't have.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • Chip47
    • By Chip47 7th Jun 17, 3:23 PM
    • 8 Posts
    • 0 Thanks
    Chip47
    Thanks Malc, your apology was appreciated as the Customer Services person I spoke to today didn't actually apologise, but then in fairness, she didn't know it had been an on-going saga ~ she just fixed it.
  • E.ON Company Representative: Malc
    E.ON sharing with Equifax
    Thanks Malc, your apology was appreciated as the Customer Services person I spoke to today didn't actually apologise, but then in fairness, she didn't know it had been an on-going saga ~ she just fixed it.
    Originally posted by Chip47
    No worries Chip47. Glad to help even if just to say sorry when we've done something wrong.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • Raxiel
    • By Raxiel 22nd Jun 17, 1:46 PM
    • 307 Posts
    • 147 Thanks
    Raxiel
    So after mentioning earlier in the thread that I'd never had any mention of E.ON on my credit reports (since I started checking them) while a customer of E.ON, this months Equifax report has a new credit account added:

    Created by "EON UK" on the day I transferred away and updated monthly.

    Now I know I've suggested I'd be open to returning to E.ON with the right deal, but I don't see what right they have to keep an active account on my report when I am no longer a customer and all outstanding accounts have been settled?
  • E.ON Company Representative: Malc
    E.ON sharing with Equifax
    So after mentioning earlier in the thread that I'd never had any mention of E.ON on my credit reports (since I started checking them) while a customer of E.ON, this months Equifax report has a new credit account added:

    Created by "EON UK" on the day I transferred away and updated monthly.

    Now I know I've suggested I'd be open to returning to E.ON with the right deal, but I don't see what right they have to keep an active account on my report when I am no longer a customer and all outstanding accounts have been settled?
    Originally posted by Raxiel
    Morning Raxiel and sorry we've caused you concern about your credit report.

    This is very much like the issue molerat reported earlier in the thread (posts #71 and #73). To be honest, I don't know why this is happening so I've raised it with the part of the business that look after Datashare issues. I'll let you know more as soon as they come back to me. Probably be next week now as I'm not in until next Tuesday.

    Speak later Raxiel.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • Chip47
    • By Chip47 23rd Jun 17, 10:27 AM
    • 8 Posts
    • 0 Thanks
    Chip47
    Malc,

    During the time we were not with EON, Jan 2017 until May 2017, EON were still reporting to Equifax. It is as if the reporting is set to automatic and then not ever turned off. The question is, why are EON the only utility supplier that are reporting to credit agencies? I have checked Equifax, Experian and CallCredit, and my only utility, that reports, is EON. I appreciate that technically EON's use of the credit report system should potentially stop bad debt for the company, however, this does mean EON should have a responsibilty NOT to make incorrect searches and not to continue searches once a customer leaves!

    Whilst I have been told that my credit report will be corrected, I am still waiting for it to happen. EON need to appreciate that it is one big hassle to correct errors and can take three months for a customers credit report to be corrected, all because someone ticked the 'hard' search box, rather than the 'soft' search box!
  • E.ON Company Representative: Malc
    E.ON sharing with Equifax
    Malc,

    During the time we were not with EON, Jan 2017 until May 2017, EON were still reporting to Equifax. It is as if the reporting is set to automatic and then not ever turned off. The question is, why are EON the only utility supplier that are reporting to credit agencies? I have checked Equifax, Experian and CallCredit, and my only utility, that reports, is EON. I appreciate that technically EON's use of the credit report system should potentially stop bad debt for the company, however, this does mean EON should have a responsibilty NOT to make incorrect searches and not to continue searches once a customer leaves!

    Whilst I have been told that my credit report will be corrected, I am still waiting for it to happen. EON need to appreciate that it is one big hassle to correct errors and can take three months for a customers credit report to be corrected, all because someone ticked the 'hard' search box, rather than the 'soft' search box!
    Originally posted by Chip47
    Know where you're coming from Chip47. It's never good when things go wrong and I'm sorry you had a bad experience following the credit check we did.

    We've been sharing with Equifax for a number of years now and, as with anything, sometimes it goes wrong. Whether this is as a result of human error or a system glitch, we've arrangements in place to sort these situations. You did the right thing and went down our complaints route so the mistake could be highlighted and put right.

    As I said to Raxiel, at the moment, I don't know why we're sharing on closed accounts with no outstanding balances. This is something I'm looking into with our Datashare people and I'll update this thread once I have the details.

    Similarly, I don't know which other energy suppliers share with Credit Reference Agencies. We find, as well as helping us offer suitable payment terms to customers, it helps us manage our debt situation more effectively too. Also, for customers who pay promptly, it has a positive impact on their external credit score.

    Sorry again you had a bad experience Chip47. As above, I'll update this thread when I've more information.

    Malc
    Last edited by E.ON Company Representative: Malc; 28-06-2017 at 11:34 AM. Reason: Grammar
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • matelodave
    • By matelodave 23rd Jun 17, 1:39 PM
    • 2,979 Posts
    • 1,754 Thanks
    matelodave
    Anglian Water also report to credit reference agencies
    Love makes the world go round - beer make it go round even faster
  • E.ON Company Representative: Malc
    E.ON sharing with Equifax
    Morning Raxiel and sorry we've caused you concern about your credit report.

    This is very much like the issue molerat reported earlier in the thread (posts #71 and #73). To be honest, I don't know why this is happening so I've raised it with the part of the business that look after Datashare issues. I'll let you know more as soon as they come back to me. Probably be next week now as I'm not in until next Tuesday.

    Speak later Raxiel.

    Malc
    Originally posted by E.ON Company Representative: Malc
    Hello Raxiel and our Datashare people have come back to me. As promised, I've some more information for you.

    Your situation could be down to a few things. One is where the system sometimes sticks when sharing a U status (unclassified). This gives the appearance that the account is still open on a customer's credit file. If this is the case, it's likely it'll show as a series of greens. This is only where a U is involved.

    Another possibility is where a share happens during a change of supplier. It could be the share goes ahead after the switch goes through but before the account fully closes. This will show as up to date (0) further down the line. Again, giving the appearance the account is open.

    Recently, we started sharing information of certain customers where we previously hadn't. This changed the status from excluded (X) to up to date (0). These started to appear on customer's credit files gradually as the information filters through often quite a time later. Again, giving the appearance an account was open.

    Given these variables, it's difficult to say exactly what has caused your particular situation. For more specific details you can either speak to Equifax or the company you're using to view the credit report. Alternatively, you can talk to us and we'll take it up with Equifax. Let me know if I can help. Although I don't deal with Datashare issues directly, I'll be happy to pass your details to our Datashare team for investigation and explanation.

    Sorry this is a bit vague Raxiel but hope it helps a little.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • E.ON Company Representative: Malc
    E.ON sharing with Equifax
    Bringing this old thread back to life.

    Checked my Clearscore (Equifax) report and there is my old closed in 2012 account still being reported back to 2013 alongside my opened in 2015 (and ended but not closed and billed due to switching to Iresa !) account. It may be that Equifax / Clearscore have screwed up and somehow linked the reporting of the second account to the old. Not a major problem as it shows all green but should not be happening.
    Originally posted by molerat
    Yes you have misunderstood, the closed account is still being reported every month alongside the current account

    An old Equifax report from Feb 2016 correctly shows it as settled in Dec 2012 which was a correction from the continued reporting into 2014 mentioned way back in this thread (#36) but in my latest report it shows continually reported back to 2013.
    Originally posted by molerat
    I am not really bothered as it is all green ticks. I will wait until the current live(ish) account is closed off and see what happens then.
    Originally posted by molerat
    Hello molerat.

    Just posted a bit more information about sharing with Equifax above (post #93). Don't know if it's of interest with the situation you raised earlier. Please ignore if not.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • E.ON Company Representative: Malc
    E.ON sharing with Equifax
    Know where you're coming from Chip47. It's never good when things go wrong and I'm sorry you had a bad experience following the credit check we did.

    We've been sharing with Equifax for a number of years now and, as with anything, sometimes it goes wrong. Whether this is as a result of human error or a system glitch, we've arrangements in place to sort these situations. You did the right thing and went down our complaints route so the mistake could be highlighted and put right.

    As I said to Raxiel, at the moment, I don't know why we're sharing on closed accounts with no outstanding balances. This is something I'm looking into with our Datashare people and I'll update this thread once I have the details.

    Similarly, I don't know which other energy suppliers share with Credit Reference Agencies. We find, as well as helping us offer suitable payment terms to customers, it helps us manage our debt situation more effectively too. Also, for customers who pay promptly, it has a positive impact on their external credit score.

    Sorry again you had a bad experience Chip47. As above, I'll update this thread when I've more information.

    Malc
    Originally posted by E.ON Company Representative: Malc
    As promised Chip47. A bit more information. Hope it's of interest.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
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