Mistakes on credit files - Equifax won't amend

rizla_king

Equifax and their staff are utterly incompetent and don't understand their obligations on running a CRA.

A bigger shower of sheet would be hard to find.

Dander_2

Equifax have now said that they cannot remove my fathers entry as the names are too similar but that I should not worry as it wont affect any application for credit or my credit score! off to the ICO I go.

rizla_king

Dander wrote: »

Equifax have now said that they cannot remove my fathers entry as the names are too similar but that I should not worry as it wont affect any application for credit or my credit score! off to the ICO I go.

That is just complete bull. Of course they can remove incorrect data that is not yours from your report. In fact they have a legal duty to do so.

Take the complaint to the FOS as well as the ICO. That could be quicker and will cost Equifax £550 for the pleasure.

rizla_king

http://www.equifax.com/help/q32/en_uk

How to take your formal complaint further

If you are not happy with our resolution of your complaint, you can send it to the Financial Ombudsman Service which will independently review it. We will tell you when you can refer your complaint to the Financial Ombudsman Service.

Their contact details are:

The Financial Ombudsman Service
South Quay Plaza
183, Marsh Wall
LONDON
E14 9SR

Tel: 0845 080 1800

Email: complaint.info@financial-ombudsman.org.uk

Website: http://www.financial-ombudsman.org.uk/

Questions about the content of your credit report

tinkerbell28

Dander wrote: »

Equifax have now said that they cannot remove my fathers entry as the names are too similar but that I should not worry as it wont affect any application for credit or my credit score! off to the ICO I go.

They said that to my oh. So he said he'd be complaining to the fos/ico and be expecting costs back.

Within days of the initial contact they changed it.

rizla_king

tinkerbell28 wrote: »

They said that to my oh. So he said he'd be complaining to the fos/ico and be expecting costs back.

Within days of the initial contact they changed it.

Proves Equifax advisers are full of BS.

But we knew that anyway. :cool:

The_Boss

Dander wrote: »

Equifax have now said that they cannot remove my fathers entry as the names are too similar but that I should not worry as it wont affect any application for credit or my credit score! off to the ICO I go.

Clowns. Looking forward to your eventual response - do come back and updatr this thread when it's sorted.

It's almost a shame that there is no Equifax rep on here but I suspect they'd do a James Jones and try to convince us that their 'scores' are wonderful.

rizla_king

The_Boss wrote: »

It's almost a shame that there is no Equifax rep on here but I suspect they'd do a James Jones and try to convince us that their 'scores' are wonderful.

It's obvious why they don't have a rep here. They would not be able to justify their company's errors and disregard for regulation and law.

ValHaller

rizla_king wrote: »

Equifax and their staff are utterly incompetent and don't understand their obligations on running a CRA.

I presume they have some kind of licence to act as a CRA? Because the things I read about them here, I am beginning to think they should be shut down.

It is not the errors which seem to be the problem so much as the intransigence about putting them right.

rizla_king

ValHaller wrote: »

It is not the errors which seem to be the problem so much as the intransigence about putting them right.

Very true.