We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Experian's Fundamental Breach of Data Protection Act 1998
Options
Comments
-
Calling James Jones; Earth to CRA, Experian company representative, can you explain the planetary inconsistency please?rizla_king wrote:http://experian.co.uk/consumer/quest...kjames357.htmlAny lender that shares credit account information through a credit reference agency is certainly responsible for making sure the information is accurate and kept up to date. The credit reference agency should also take reasonable steps to make sure the information is correct too, such as making practical checks of the information as it is received.
Seems some orbits are out of alignment !
You will recall you told me that it was not up to Experian to spot that the date of birth and indeed everything else except my partial name and address was false on a new record presented to you by Barclaycard as part of an online credit card app live decision-making process, and later as conformation of a new credit agreement which you added to my record pari passu with some 40 other records that were consistent with each other but the latest stuck out like a sore thumb and was missed.
It was of course fraudulent and everyone missed it.
Doesn't tally with your quote above discovered on the Experian website by rizla king, does it?0 -
-
kirkbyinfurnesslad wrote: »quite is this thread still going on.....
And if your username gives any indication of the location of your day job or one you have done in the past, then perhaps you might give us an insider's take on the latest question ? The question is an equally valid one to CallCredit. It is not clear whether Equifax threw up any kind of error when the data hit them. Sadly they didn't record a search or a new agreement and worse still they failed to Alert me (My Alert subscription is with Equifax). I do however know now that they were contacted at the time and belatedly the search has been manually added to my file with them.
But back to James' "Ask James" page:
It seems James Jones went into print some time ago on Experian's website and freely advised that CRAs have a responsibility to check information is correct at the time it is received which is what we would all reasonably expect if we thought about it long enough.
A number of posters argued black was white on that question when I first raised it - claiming "CRAs just store the information" or "CRAs just record what the data provider gives them" or some such.
That is why this thread is still going on, and that is why I have asked James to respond again.
The counter-assertions knocking mine never were defensible, but thanks to rizla king, we can now see that even the likes of James Jones had seen the unreasonableness of such a contention when he was tasked to think about what he wanted to write as a piece on the Experian website.0 -
Gosh, what an incredibly pointless waste of time this entire thread has been! I am a masochist, otherwise I wouldn't have continued to the end, although I admit I did skip a lot of the ranting and raving monologues by the OP.
What WAS the point of this thread? I've forgotten. However, I would put money on the OP responding with some sort of cutting, patronising remark as to my employment, sex, or command of the English language...I incurred the debt, I repaid the debt - all of it!DMP started with CCCS 20/07/2007 Was £32,735. Paid off all my creditors (June 2013) 7 yrs ahead of original DFD.
PPI claims won against Barclays x 2/ Egg x 1/ LV x . PPI claims rejected and then upheld Barclays/Egg x 20 -
Well Bug, you lost your money. I just don't understand why you posted. There is nothing difficult to understand here.
I do now want Experian to tell us why, if they believe it is their duty to check it when they receive it, they are so careless with false data, don't you?0 -
VictimOfImpersonation wrote: »Well Bug, you lost your money. I just don't understand why you posted. There is nothing difficult to understand here.
I do now want Experian to tell us why, if they believe it is their duty to check it when they receive it, they are so careless with false data, don't you?
No-one else is interested really.0 -
Whats kirkby in furness got to do with this rubbish?Proud to be a member of the Anti Enforcement Hobbyist Gang.:D:T0
-
I have a feeling I might regret this as I am going to say that I get where victim of Impersonation is with this issue.
This is why - two family members with the same name shared an address for a short time. The only difference between them on paper was their DOB's. One with extremely poor credit and one young with no credit. On being turned down for a flat and a bank account the young one got his credit files. All 3 showed the older members credit data complete with the older members DOB on his files. It has been going on for years - when the old one applied/ies for any thing using his real DOB - it ends up on the young ones CR file. Despite numerous errors being corrected and that the DOB used on the search doesn't match the young ones DOB (the address has not matched for over 2 years now either) the data defaults back to the young ones file. Has been going on for years now. Equifax Experian & CC just keep asking the young one to check his files and let them know of any mistakes, which they do (now) rectify within 28 days. But that's not really good enough - why should he have to do this? It is obviously a computer error that keeps repeating. The case is on it's way to the ICO now so I will update (if any body is interested) as soon as a decision is made.
The CRA's do not take enough care when checking that the data they are fed is generated to the correct file and in the case I have talked about all 3 CRA's have acknowledged the DOB is not matched when placing data on a file. Surely it should be?0 -
I have a feeling I might regret this as I am going to say that I get where victim of Impersonation is with this issue.
This is why - two family members with the same name shared an address for a short time. The only difference between them on paper was their DOB's. One with extremely poor credit and one young with no credit. On being turned down for a flat and a bank account the young one got his credit files. All 3 showed the older members credit data complete with the older members DOB on his files. It has been going on for years - when the old one applied/ies for any thing using his real DOB - it ends up on the young ones CR file. Despite numerous errors being corrected and that the DOB used on the search doesn't match the young ones DOB (the address has not matched for over 2 years now either) the data defaults back to the young ones file. Has been going on for years now. Equifax Experian & CC just keep asking the young one to check his files and let them know of any mistakes, which they do (now) rectify within 28 days. But that's not really good enough - why should he have to do this? It is obviously a computer error that keeps repeating. The case is on it's way to the ICO now so I will update (if any body is interested) as soon as a decision is made.
The CRA's do not take enough care when checking that the data they are fed is generated to the correct file and in the case I have talked about all 3 CRA's have acknowledged the DOB is not matched when placing data on a file. Surely it should be?
Well CRAs are not a proper organisation, they only operate to make money out of gullible people, why should they bother doing their job properly ? If they put as much effort into data control as they do into flogging useless "scores" there wouldn't be a problem."Can't you have your ***** cut off ?" "It's not as simple as that, Nigel"
:j0 -
Ladeeda, you genius! :T:T Thank you for your succinct explanation and example which has clarified this entire thread!!
I now see what potential problems there are, and I agree with you and the OP! Something should be done if this is not an isolated case, and it would seem it is not.I incurred the debt, I repaid the debt - all of it!DMP started with CCCS 20/07/2007 Was £32,735. Paid off all my creditors (June 2013) 7 yrs ahead of original DFD.
PPI claims won against Barclays x 2/ Egg x 1/ LV x . PPI claims rejected and then upheld Barclays/Egg x 20
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.6K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards