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Someone has been using my name for 15yrs!
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spacey2012 wrote: »Even if someone uses your identity to steal from banks or anyone else, you are not the victim, the organisation that has suffered the loss is the victim of the crime and they have full responsibility to check they are dealing with the rights person.
banks and others love pushing the Identity theft myth, even selling insurance against a risk that did not exist, although they are having to refund this now.
They will gladly let you adopt the debt, but in our law, the victim is always the one who has suffered loss in financial terms.
Never let them pull it over.
The person whose identity has been used is also a victim. I'm sure we've been through this a few times before...
That said, this doesn't seem to be an identity theft case, just a CRA cockup.What will your verse be?
R.I.P Robin Williams.0 -
me+3,
I suggest you contact this other person, it is very likely they will be equally mortified to hear of this screw up by Equifuxitupagain, possibly more so because it is the confidentiality of THEIR personal information that has been breached when this CRA revealed it to you.
The problem should be much easier to resolve with the other person's cooperation rather than running to PC Plod making accusations of identity theft.Optimists see a glass half full
Pessimists see a glass half empty
Engineers just see a glass twice the size it needed to be
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And that's also why Equifuxitupagain said they would contact the police rather than you do it. If they tell you to contact PC Plod then they are as much as accusing the other party of fraudulent activity.
For the same reason, you should be very ill-advised going to the other party's banks making accusations of wrongdoing if it's just a CRA error.Optimists see a glass half full
Pessimists see a glass half empty
Engineers just see a glass twice the size it needed to be0 -
I know who the person is, they moved into my old house 15 years ago but thats the only connection, i know them by name and reputation but not personally.
What reputation? One that would make you believe they would commit ID fraud or similar?What i dont understand is how they have done it, on the credit report they are listed as there own name as an alias to mine and then it says my own name and my maiden name, but she has used her own date of birth on some of them?
Her name is also listed on the electoral register next to mine which i dont understand either. I thought she had used my name to get the credit but now i have calmed down and looked properly she has done it somehow with her own name? Is this person clever and knows what they are doing?
All of the accounts she has opened using my previous address. There are also searches on there in her name for mobile contracts just last month!!
Still sounds from that like it could be either clever ID fraud on the back of your previous details, or a monumental cork up from Equifax.
In many ways it doesn't matter which for you.
Equifax know the associations they have are wrong. Given that knowledge they have a duty to remove them and the accounts that go with them from your report. That applies no matter the reason they first occurred. Don't accept any excuses on that.Still rolling rolling rolling...... <
SIGNATURE - Not part of post0 -
As mentioned it's either fraud or an almighty mess by Equifax. An alias is where you change a name on one of your accounts so if it isn't fraud Equifax have some explaining to do, especially when Experian and CallCredit are OK.0
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They will also put on alias' and associates where they deem you to be too similar, I'm not joking.
Considering Experian is ok....my money is a problem with Equifax.
Like has been said, no matter what the reason they have to remove it. They'll say no probably. So get a final written response. I found them to be pretty quick after initial contact from the FOS.0 -
tinkerbell28 wrote: »They will also put on alias' and associates where they deem you to be too similar, I'm not joking.
Considering Experian is ok....my money is a problem with Equifax.
Like has been said, no matter what the reason they have to remove it. They'll say no probably. So get a final written response. I found them to be pretty quick after initial contact from the FOS.
Why are CRA's allowed to get away with saying no to removing incorrectly placed data? If they receive proof of current address and proof of date of birth, what more do they need to be shown that the data with the other date of birth and other address shouldn't be on your file.
I think the FCA should be coming down hard on them for this type of behaviour, because it can mess with people's lives. 8 weeks to make a complaint to the FOS and even longer for them to actually resolve it. All the while the poor person might be ready to take out a mortgage but being blocked from doing so by bad data that doesn't even belong to them...
So wrong What will your verse be?
R.I.P Robin Williams.0 -
Why are CRA's allowed to get away with saying no to removing incorrectly placed data? If they receive proof of current address and proof of date of birth, what more do they need to be shown that the data with the other date of birth and other address shouldn't be on your file.
I think the FCA should be coming down hard on them for this type of behaviour, because it can mess with people's lives. 8 weeks to make a complaint to the FOS and even longer for them to actually resolve it. All the while the poor person might be ready to take out a mortgage but being blocked from doing so by bad data that doesn't even belong to them...
So wrong
Well equifax blended my husbands file with someone at his previous address. We picked up on it after we had files checked for work. So we contacted Equifax who said they can't change it yet, but put a notice on.
A YEAR later they still refused to correct it as they believed they had a link. So we went to the FOS and ICO, with mortgages in mind you see....
They make initial contact with Equifax pretty quickly which in our case, gave them the boot they needed so no complaint could be upheld.0 -
The incompetence of Equifax never ceases to surpise. How a registered CRA can be so hopeless and then obstructive to complaints is beyond belief.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
This is my personal beef with CRA's. They hold and distribute information and when it goes all pear shaped they deny all liability and refuse to do any about it. My view is that they make money out of it so they should do something about it rather than point the finger to creditors.The man without a signature.0
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