Experian's Fundamental Breach of Data Protection Act 1998

Dovah_diva

I don't think he realises no one cares - before too long he will be the lone voice in the wilderness. I suspect he was hoping Martin would rock up on his white charger, seize the baton and make this his new challenge.

Poor lamb.

VictimOfImpersonation

And your posts, Tiddlewinks are ... and yours diva ...?

The difference between you and me is that I am aware of just how powerful MSE is and it doesn't require Martin to do anything other than resist any commercial pressure MSE might get to take down the threads. I am sure MSE will let me know if I publish anything they cannot bear.

Much like the PDL companies they trade with, I don't much expect Experian to do anything they don't want to do. What I fully expect now is that the stink I created that has mobilised one bank and shortly the other I imagine will actually cause these incorrect entries to disappear in maybe a week or so, but before that happens, I expect Experian will receive another routine update from the card provider showing a third month with no payment. That will reduce my credit rating and I shall tell you if it happens.

If the incorrect entries on my file do disappear, that will of course probably mean that Experian did nothing special to discover dob mismatches, and just waited for the bank to get in touch, but I think you can be sure that the banks involved will be investigating what the hell happened generally.

Meantime I noticed tonight that Experian goes so gaily about the business of recording dates that in respect of two of my credit agreements the Experian record has been updated to 12/01/2014 :rotfl:

Accuracy is perhaps only a Utopian state of mind where they are concerned.

Meantime I shall update you accurately each day until there is a change - you don't have to look, and you don't have to post

Dovah_diva

VictimOfImpersonation wrote: »

And your posts, Tiddlewinks are ... and yours diva ...?

I can't speak for Tiddlywinks, of course, but I am simply checking in and posting for amusement value. I still think you are utterly bonkers, but in a charming, mad-old-Uncle-that-no-one-likes-to-have-for-Christmas-kind of way.

At some point you'll get bored and will declare that the CEO of Experian himself turned up at your house, apologised for the screw up in person, offered you a five figure sum for your silence and then publicly resigned his post. Until that happens, I'll enjoy your ramblings. I especially look forward to the snapshot of your credit file. That's really exciting.

VictimOfImpersonation

Dovah_diva wrote: »

At some point you'll get bored and will declare that the CEO of Experian himself turned up at your house, apologised for the screw up in person, offered you a five figure sum for your silence and then publicly resigned his post.

I would not be so bold else they'd take the money back, diva - such is the nature of secret cosy commercially motivated agreements

luvchocolate

so many threads.....loosing the will to read them now..please victim rant over enough is enough

Morglin

VictimOfImpersonation wrote: »

I mentioned the fantastic quality of a large chunk of 60s and 70s state schooling earlier.

I blame the schooling that beset the 80s and 90s. That was where it became the norm that to be a "swot" was to be hounded and ridiculed for being different, and an ability to blend in with the lowest common denominator and to follow the lead of celebs, monied sorts and wannabes was key to survival.

Such a shame that made its inevitable way into the thinking of a whole generation.

Loadsamoney!!

For what it's worth, I was schooled through the 60's. Went to a good grammar school, but when I started my career in what was the Midland Bank, the most advanced technology they had was IBM ledger posting machines, and most of the work was manual - so, I'm unclear about all the techno available for your school!

Most of what in available now, technology wise, hadn't even been developed in the 60's.

I then went to work for a major finance company, and credit checking was a cumbersome process, involving sending for bank references, for those who actually had accounts, and checking with BDS as to financial status - it took days, and no one would want to back to that system, especially with the volume of credit applied for now.

Banks lent on the premise of whether the bank manager (Demi Gods, in their own minds then!), actually liked a customer.

So, it's not perfect now, you are correct, but it's better than it was.

As to age, well, I'm retired, and I've led teams, but I have also worked under folk younger than me, and no problems with that.

Age is no indicator of wisdom, as there are some terminally stupid 'oldies' as well as gormless youngsters!

And, there are intelligent and wise folk in both groups.:T

Schools now, as in the 60's, vary between good, bad and indifferent, and to denigrate younger posters on here, simply because they are younger than you, shows a lack of manners, to be frank.

You obviously have a problem with the CRA's, but you cannot beat the system.

Use your self proclaimed wisdom and put things right via the procedures laid down.

Lin

VictimOfImpersonation

Hello Lin.

No.

VictimOfImpersonation

Just tidying up before bed and realised I'd not opened the post today (yesterday now).

So then, I have a letter. My credit card provider has kindly added an extra £24 this month (well last month actually) to the fraudulently opened credit card account we have here under the microscope. One further 'Over Credit Limit Charge' and one 'Late Payment Charge'.

Unfortunately, or fortunately, depending on how you see such things, no such news has yet reached Experian or CallCredit (Noddle). And of course nothing whatsoever about this account has ever reached Equifax (or if it did, they are clever enough not to link it to me!)

So, would anyone like to bet what happens next?

When exactly will Experian eventually learn of this £24 and reduce my Credit Score?


Well, you are not going to believe this, but since I started typing this post over an hour ago, I have realised and established that this second letter I received in the last post relates to a second fraudulently opened account and surprise surprise it too was opened with an incorrect date of birth. The main fraud team at the card provider are not accessible until later this morning so I guess I have to sleep on the fact that there is what Charles Clarke might call systemic failure in the whole system which is supposed to protect our ID.


Anyone gobsmacked yet?

Will ICO and FCA wake up and start cracking the whip ?

Find out here on MSE

Tiddlywinks

Yes, gobsmacked at your inability to grasp the fundamental issue.

Once again with feeling... the CRA didn't authorise the fraudulent account - the card provider did.

The CRAs will show the account as having arrears IF and WHEN the card provider gives them that data to report.

Rather than spending your time moaning on here might I suggest that you talk with the card provider about their provisions of incorrect data to the CRAs.

Oh, and engage with the CRAs about your 'beef' rather than repeating the same old drivel on this board.

VictimOfImpersonation

Oh dear, I see Experian company representative has added his thanks to your post.

I think readers can see his frustration, but they can't see that he has got his finger out.

There is a general security hole James. It involves Experian. What are you doing about it?

Meantime others have been busy on the case instead of fiddling around on MSE.