any advice on this - confused

vintagegirl

i had a GAIN ON my credit report which was incorrect so emailed equifax and they have replied with the following response.
i have no experience with this so was wondering if anyone has any about what this means, im so confused thanks


Thank you for getting in touch.(RACHEL CORRIGAN)(17/09)

Credit Agreement - Capital One Bank

The company are still investigating your query and have advised Equifax of the following:

"I've updated your account details and removed the temporary block on your account. I've also passed your message on to our Credit File team and they’ll reply to you by letter once they amend their records. I'm sorry that I can’t give you an immediate answer. I hope the steps I've taken resolve this for you. If you need any other help, please call us anytime on 08444 812 812*."

As this information is supplied by the company we are unable to amend it until given their permission. You may wish to contact the company directly using the above details.

The note previously added stating that your information was in dispute has now been removed.

You’ll find more information about your credit report at: https://www.equifax.co.uk/help. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

I hope you find this useful. If there’s anything else we can do for you, please let us know.

Kind regards

Equifax Customer Services

then

(FROM ADMINISTRATOR) (09/09) Thank you for contacting us about the information we've recorded on your credit file with the credit reference agencies.

I've updated your account details and removed the temporary block on your account.

I've also passed your message on to our Credit File team and they’ll reply to you by letter once they amend their records.

I'm sorry that I can’t give you an immediate answer.

I hope the steps I've taken resolve this for you. If you need any other help, please call us anytime on 08444 812 812*.


THEN
(AUTO RESPONSE)(08/09)

Thank you for your recent query reference number 100901-000966. In order to resolve this query we have engaged the company in question to examine their data.

This process can take up to 28 days, but as soon as we have an update we will let you know.

You can view your query's progress by clicking the link below

vintagegirl

anyone at all?? i just want to know if this means its been fixed or not, to me its not clear

RAS

What is a GAIN?

vintagegirl

ha oh right sorry, a GAIN is when they have put info on your credit report saying you have left the address and not informed the company, making it look as though you moved to avoid the debt

capital one put this one when i hadnt in fact moved

RAS

Ok

Then you use the Data Protection Act to demand that Cap 1 keep correct records and that they inform the credit record companies of the correct information. Otherwise, you report them to the Information Commisioner.

katsu

To the OP:

There is a name in your post - I think it might be your real name - if so edit the post to delete it!

vintagegirl

katsu wrote: »

To the OP:

There is a name in your post - I think it might be your real name - if so edit the post to delete it!

thanks for your reply...are you referring to the 'rachel corrigan"?
thats not my name, thats the name of the administrator at capital one.
i dont see any other names on there so i dont think mine is there?