Please help. - unfair default from a debt taken out by someone else in my name

DazCleland

Hello there, i need some help about getting a default removed from my credit report that isnt even my fault!!!!!!

what it is, im 22 years old and ive tried to apply for a loan and even an overdraft with my bank and im constantly getting rejected and i dont understand why.
that lead to me registering with experian, and getting a copy of my credit report. it shows i have a default with a catalogue from 2009. that was 3 years ago. Around 3 years ago, my brothers girlfriend secretly got a catalogue out on my name with all my details under no permission from myself. i knew absolutey nothing about it. She had bought stuff from the catalogue but failed to pay the debt back. i received letters in my name to my house and it said i had a certain amount to pay back to littlewoods themselves for the goods i had purchased. but i never purchased any goods, nor a catalogue! we then realised the goods were going to a different address, her house. My brother then fell out with her and they were no longer together, my mum and dad cleared the debt up as there was no contact between the families no more. she committed fraud in my name, maybe we should have got the police involved but my parents didnt bother with the hassle so just cleared the debt up instead but didnt realise it would come back to haunt me in later life.
The default is satisfied, but im sure that doesnt mean a thing to these finance companies. ive complained to experian and they have put a notice of correction on my credit report that states :
Reference: Y1
ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT. GIVEN THAT THIS DATA IS DISPUTED, PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA.

although they have put this on, i have still had no luck or progress with anything. i just want this default removed as its stopping me from getting pretty much anything. the rest of my credit report is perfect, no late payments or anything for, phone bills etc.

if anyone has any advice on what i should do, please post, i appreciate as much help as possible as this default really isnt my fault and i just want it removed.

DVardysShadow

This shows that if someone takes out credit in your name without authority, you should go all out to nail them while the iron is hot.

I would suggest going back to Littlewoods and asking them for full information on all orders supplied under the account. It is much harder now, because there is no money for them to collect. But you should be able to obtain the information for the £10 Data Protection fee. With the delivery address, you can show that this was the brother's ex's address hopefully, and begin to make the case for the removal of the default.

vax2002

She is liable for criminal proceedings for fraud until her death.
Get the information and get her nailed for it !