Sons Account on my Credit Report, 2nd time this Year

PJB

Hi All

My son has the same first & surname as me, and also has a Santander current account.

In Feb 11 I noticed, via my Credit Expert membership, that his account was on my report and had arrears.

I appealed and got it removed but to my horror i was refused when i applied for the Capital 1 card recently.

I have checked my Equifax ID Watch Lite, which i was given for 12 monthes free when i cancelled, and the account is back on my report with fairly substantial arrears.

The date of birth given is indeed my sons so i'm not sure how it is on there.

I want to take this higher now and make sure it is removed permanently.

My questions are:
-Do I have a complaint to levy with Santander?
-Do I have a complaint to levy with the credit agencies?
-What recourse is available, as i have had 2 credit applications refused recetly and suspect both will be down to this error.
-How does the system work, ie: Do Santander send the information over to agencies and they then decide where to put it or doSantander specify that?
-Is there anything else I can do to prevent this reoccurring?

Many thanks in advance

chanz4

It will be down to the cra's incorrectly assoicating your data, not really going to get anything out of them apart from sorry

PJB

chanz4 wrote: »

It will be down to the cra's incorrectly assoicating your data, not really going to get anything out of them apart from sorry

Should of made myself clearer, I didn't mean anything financial, although thinking about it a years free membership so i can keep an eye out would be good!

I meant regarding appealing the previous decisions, maybe with the CRA's help or assistance

nottoolate

http://www.experian.co.uk/downloads/consumer/FOS%20-%20Experian%20Complaint%20Handling%20Procedure.pdf

chanz4

if you send them a copy of the report they may overturn the appeal, but lenders dont have to.

stclair

PJB wrote: »

Should of made myself clearer, I didn't mean anything financial, although thinking about it a years free membership so i can keep an eye out would be good!

I meant regarding appealing the previous decisions, maybe with the CRA's help or assistance

Appeals generally have to be done within 28 days of the original application, the lender may just ask you to reapply unless you can get the information corrected within 28 days or less.

PJB

Do you think that CRA's will remove the searches?

im-lost

That's what you get for being a numpty calling their son after themselves,
seriously who does that?

connormill

im-lost wrote: »

That's what you get for being a numpty calling their son after themselves,
seriously who does that?

Quite a lot of people. My uncle and grandfather both have the same name for example

nzseries1

im-lost wrote: »

That's what you get for being a numpty calling their son after themselves,
seriously who does that?

Congratulations, you win the award for the most judgemental comment on this forum for 2011!

I'll be sure when I have my first-born not to name him anything that may cause an error in some future computer system that will be in existance 18 years after his birth. Oh drat, I seem to have misplaced my crystal ball.

Seriously, was that a legitimate comment?

CLAPTON

well when we named our children we were careful not to even have the first lettter of their first name be the same as either my wife or I or the other children specifically to avoid issues in the future