CallCredit (Noddle) Fundamental Breach of Data Protection Act 1998

VictimOfImpersonation

Recent regulars to this section of MSE's forums will be aware of the ongoing dingdong I have going with Experian company representative.
I singled Experian out for some special attention because I have proof of insecure handling of my personal data which has exposed me to successful ID Theft.

I have also started a thread which calls for reform of all CRAs because they are all unfit for purpose in that I have proved that none are capable of alerting me to the most obvious indication of ID Theft in progress (two did not check the false data that had been passed to them by a bank which itself had also failed to check and one was oblivious), and their other purposes including credit score and alert services which are also being questioned continuously by others in this forum.

I have started this particular thread because I have just this evening found proof that CallCredit were also passed the incorrect dob data but did nothing to check it. So I shall argue that they are equally as guilty as Experian of reckless obtention and retention of data in that regard.

It should not be forgotten that around 4 years ago, CallCredit sold an immediate downloadable Full Credit Report in my name to a fraudster who paid for it using an insecure prepaid Mastercard. CallCredit relied upon that card being in my name for their own security. In fact, very little security checking was ever done by the prepaid card issuer so it was always dangerous to rely on it. CallCredit did not realise the error of their ways. I believe CallCredit (Noddle) online security was tightened in 2010 afterwards, but let's not be complacent looking forward. Now there are other problems and other security holes.

So CallCredit company representative, where are you ? Why has CallCredit still not responded to my direct online report of a fraudulent entry on my Credit Report? Why did you not reject the new incorrect date of birth entry or challenge it when the card provider gave it to you over two months ago? Why did you not alert me to this new account at all when I signed up again recently?

Can any CallCredit company representative do any better than Experian company representative in response to these highlights of fundamental breaches of DPA 1998 55(1) not to mention breaches of trust ?

MrSilk

:spam::spam::spam::spam::spam::spam:

Why not call them? And not bore everyone on here with your stupid posts.. I've not had any issues with any of the three agencies, if I did... I'd call them to speak to them.

If you're not happy, why not take them to court?, if you've got a case.

VictimOfImpersonation

Are you masquerading as a sound legal mind, Mr.Silk ? (you wish )

stclair

Could you not start an online petition? get enough signatures they will discuss it in the House of Commons.

http://epetitions.direct.gov.uk/

Have you contacted the ICO regarding your concerns?

https://www.ico.org.uk/Global/contact_us

Experian_company_representative

There has been no 'dingdong' with me. I've simply asked you to get in touch about your complaint so we can investigate. We'd love to help you.

James

VictimOfImpersonation

OK call it what you will James - I have asked you to investigate a general failure - you seem content to mislead the forum into believing the fundamental date of birth check failure is unique to me, and you have not commented at all on the ease with which I persuaded one of your call centre agents to erase all previous security bars which had prevented me from completing an account application online without providing documentary evidence.

Feel free to correct me again if you wish, but take a tip from me - your answers are too short and not to the point.

BrookesAndrew

Experian_company_representative wrote: »

There has been no 'dingdong' with me. I've simply asked you to get in touch about your complaint so we can investigate. We'd love to help you.

James

I have got in contact with Experian but they still have not replied to me. Seems like they can just do what they want.

kirkbyinfurnesslad_2

I think the OP needs to keep taking the pills

Anyone else agree?

VictimOfImpersonation

Below each credit account record in the Noddle online credit report is a button which says

"Something wrong? Let us know"

I did so over a week ago. I explained the fraud. There has been no change to the details. I have "Let them know" again.

Interestingly behind the Let Us Know button is a dropdown box for we consumers to do our best to categorise the dispute. There is no fraud option. The "I do not recognise this account option" throws up a suggestion that it might just be a case of the customer not being familiar with the credit provider's style or brand and solicits no further info.

So, as last time a week ago, I chose "Other" because it enabled me to complete some free-text to describe the dispute and fraud exactly.

Had I chose "Personal Details incorrect" I would have got no further than "We're sorry but we're unable to deal with this dispute and you'll need to contact the product provider directly to get your personal details changed."

Sabbathdei

CRA's are like bra sizes....completely invented, over-complicated numbers and no two places will give you the same answer.
There must be a way to revamp and regulate the system, at the moment it's like voodoo. Nobody understands credit ratings, different lenders look at files differently anyway, and someone is making a &£&@load of money out of the random-number generator known as the "Credit Score."
The CRAs need to get their act together, that much is certain.

luvchocolate

Noddle updates once a month...so give them time,