Equifax incompetence - is it legal?

nottoolate

Salander wrote: »

I'm no legal eagle but it sounds like libel to me!

as in a mild version of this? http://news.bbc.co.uk/1/hi/programmes/moneybox/8098674.stm

The_Boss

nottoolate wrote: »

as in a mild version of this? http://news.bbc.co.uk/1/hi/programmes/moneybox/8098674.stm

It's not really a mild version of that, is it?

dktreesea

First of all, I would check exactly how the Royal Mail describe your address. Go to this site http://www.royalmail.com/postcode-finder/, choose "find and address" (the default is find a postcode) , type in the postcode and it will give you all the addresses for that postcode. Copy that info into, say, a word document. It should be the correct address.

Next check your name on the electoral roll, getting a copy of how it appears and how the address appears.

Armed with these two, write to the errant credit reference agencies asking them for a "please explain" why they have your address showing differently to both the Royal Mail and the electoral roll.

Jonesy_McJones

dktreesea wrote: »

First of all, I would check exactly how the Royal Mail describe your address. Go to this site http://www.royalmail.com/postcode-finder/ , choose "find and address" (the default is find a postcode) , type in the postcode and it will give you all the addresses for that postcode. Copy that info into, say, a word document. It should be the correct address.

Next check your name on the electoral roll, getting a copy of how it appears and how the address appears.

Armed with these two, write to the errant credit reference agencies asking them for a "please explain" why they have your address showing differently to both the Royal Mail and the electoral roll.

The credit reference agencies just get their info from the company doing the credit search - so if you give your address to a company as 'Flat A, 2 Housename etc' that's how they should credit check you and that's the data that the credit reference company should have. However, if you give your address as 'Flat A, 2 Housename etc' but the company checks you on '2a Housename etc' then they are at fault. Some companies take your postcode & your door number and fill in the blanks themselves.