Incorrect Settlement Date on Credit Report

klacam6

Hi everyone, this has probably been posted on here before, I have searched and cannot come up with anything, sorry in advance if I have missed it. I was just wondering what I do about an incorrect date of settlement on my mortgage account, I wouldn't be bothered for a few weeks but after checking my credit report with both Experian and Equifax it would seem that Northern Rock did not bother to report settlement of my account for 7 Years, it was paid off in full as I moved house in May 2002, Northern Rock have not bothered to close it until May 2009 (should have dropped off my credit report in 2008!!!) I have messaged Equifax about it but still awaiting a reply and knowing that Northern Rock don't bother to reply (I have had dealings with them since) I was wondering where I go next?

Thanks

holly_hobby

Northern Rock have to administer and instuct any amendments to info recorded with CRAs - so you will need to deal with them unfortunately.

You may wish to call them, and follow this up with a letter (recorded delviery) advising of the problem, and for a notice of correction to be added confiming when the account was settled.

Hope this helps

Holly

klacam6

Thanks Holly, here goes again being ignored by them for months on end, cheers

holly_hobby

You need to write to the data controller/Data Protection Officer at Northern Rock.

If you do not receive a satisfactory response, you may wish to considder referring the matter to the ICO as a complaint - whose responsiblity are breaches of the recording and processing of data under the Data Protection Act, which includes the inaccurate recording of info on a data subject (i.e - you).

Here's a link to the ICO webpage - and specifically the administering of credit recording section (also have a look through the site for a headsup on their role, what they do, complaints etc...) - http://www.ico.gov.uk/for_the_public/topic_specific_guides/credit.aspx

Here's a link to the ICOs records re NRock themselves ...
http://www.ico.gov.uk/ESDWebPages/DoSearch.asp

Hope this helps ... good luck

Holly x