3 CRAs? So who are Synectics Solutions & Experian Decision Analytics who aren't CRAs?

VictimOfImpersonation

Most of us are aware there are 3 CRAs, I think ? So who are Synectics Solutions & Experian Decision Analytics who aren't CRAs? (This weekend I learned that they have my personal data too).

Fruit_and_Nut_Case

Synectics Solutions
Experian Decision Analytics

Google is your friend.

Sabbathdei

Data farmers ?
Knowledge is power...they know us better than we know ourselves.

CKhalvashi

Sabbathdei wrote: »

Data farmers ?
Knowledge is power...they know us better than we know ourselves.

Unfortunately it seems so.

They are both listed as data controllers, so it may be worth asking them not to process your data if you're concerned.

CK

YorkshireBoy

CKhalvashi wrote: »

...it may be worth asking them not to process your data if you're concerned.

You give permission for them to process your data when you tell the bank, BT, credit card provider, mobile phone provider, etc, that they can share your data with fraud prevention agencies and credit reference agencies.

You can't tell the bank et al who, exactly (ie only Experian, Equifax, and CallCredit), they're allowed to share your data with. It's all or nothing I'm afraid.

CKhalvashi

YorkshireBoy wrote: »

You give permission for them to process your data when you tell the bank, BT, credit card provider, mobile phone provider, etc, that they can share your data with fraud prevention agencies and credit reference agencies.

You can't tell the bank et al who, exactly (ie only Experian, Equifax, and CallCredit), they're allowed to share your data with. It's all or nothing I'm afraid.

Whether they can receive it, and whether they can process it (as per personal request) would appear to be two different things.

There was something on another consumer rights site where someone won this battle with the CRA's. I'll try to find it now.

CK

ETA: Found it! I don't know where it stands legally, but should be an interesting read for anyone in the know.

VictimOfImpersonation

Synectics website is a bit skimpy. As a business, it is obviously someone's baby. I wonder whose. Ah ... looks like an ex Experian director and his missus.

Seems they ran the Jaguar Landrover marketing database until 2011 - I wonder if that included the networks in China which became deadly for some around that time?

Looks like they've cosied up close enough to government to get access to Benefits Agency data via the supposedly defunct Audit Commission (or is it?)

CKhalvashi

VictimOfImpersonation wrote: »

Synectics website is a bit skimpy. As a business, it is obviously someone's baby. I wonder whose. Ah ... looks like an ex Experian director and his missus.

Seems they ran the Jaguar Landrover marketing database until 2011 - I wonder if that included the networks in China which became deadly for some around that time?

Looks like they've cosied up close enough to government to get access to Benefits Agency data via the supposedly defunct Audit Commission (or is it?)

JLR is, and has never been Chinese owned.

I've got a '62' plate XF, OH has a '13' plate (and had a '61') Evoque. Nothing on these contracts even hinted that our data would be going outside the EU, nor did (and I've just checked old emails) the company purchases of Range Rovers in 2002, 2006 and 2009. Nothing I can see from Ford has this either (who were Jaguar Land Rover's former owners).

The second Evoque was purchased through a main dealer, but via a third party supplier as we'd had it modified, but I still can't see where you're trying to go with this.

If you have concerns, you need to put this in writing under a FoI request to the appropriate government bodies, however I really can't see there's anything to worry about.

CK

rb10

Synetics manage the National Fraud Initiative on behalf of the Audit Commission. The Audit Commission is not yet defunct - but is in the process of being disbanded.

Experian Data Analytics is the part of Experian that builds and runs credit scoring models for banks.

You give your permission for your data to be passed to both organisations when you apply for a new product. They have to be part of the chain - they are integral components in the fraud prevention and credit scoring processes respectively.

If you are concerned that the data they hold on you may not be accurate, you can submit a Subject Access Request.

The CAG link seems to be searching blindly for something to pin on the CRAs. They appear to be oblivious to the fact that CRAs do not make decisions, so that manual vs automated decisions part of the DPA 1998 does not apply here.

VictimOfImpersonation

CKhalvashi wrote: »

JLR is, and has never been Chinese owned... but I still can't see where you're trying to go with this.

I didn't say they were Chinese owned ... they are currently owned by Tata of India I think. No I just thought it was interesting that Synectics had fingers in interesting little pies. The Synectics Solutions Ltd company was incorporated in 1992 I think I read ... at a time when Jaguar had been owned by Ford for around 3 years but Land Rover was still owned by the taxpayers via British Aerospace latterly until 1994.

Other Synectics named companies go back further from around Birmingham.

Clearly data on old dealer networks evolved into data on current dealer networks and as with all data harvesters, once you hold the data, there isn't much anyone can do to stop you adding to it and selling it to the highest bidder.

Obviously it is not a clean business. It is a murky business. That is where I was going with it. People with large amounts of dosh buy luxury cars. Interesting people. If you mix data like that from diverse sources including data from HMG especially of the "suspicion kind", and from cross-border CRAs then you have enormous power. Power to influence business your way. Power to tell others to swivel on it.

If you have concerns, you need to put this in writing under a FoI request to the appropriate government bodies, however I really can't see there's anything to worry about.

Really ? Oh that's alright then :rotfl:.

rb10 wrote:

...the fact that CRAs do not make decisions

Oh right :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Get real please. The very suggestion that a data harvester that is in fact licensed as data controller is not a data controller and makes no decisions based on the data is clearly the sorry output of overworked legal brains employed to steer the hole sorry mess through some eye of a needle and convince us they succeeded !

Does "Experian Decision Analytics" make decisions on anything ? But it is not a CRA ? Oh really ? So what is Experian ? Where does/did Experian Decision Analytics originally get its data ? Where did Synectics originally get its data ? Lorry, Back Of, Fallen From, Handed over as part of some deal ? Whose truck / Computer system ?

To suggest any of these major data harvesters (call them CRAs, "not CRAs", Fraud Agencies or what you will) are not making decisions with the data is contemptible propoganda.

Do you think the data just sits on shelves in dusty boxes and they sell it by the kilo ? Or that it sits in untouched files on hard drives and they sell it by the GigaByte?

gunsandbanjos

rb10 wrote: »

Synetics manage the National Fraud Initiative on behalf of the Audit Commission. The Audit Commission is not yet defunct - but is in the process of being disbanded.

Spot on, I use information from Synectics daily:)

They are along the same lines as National Hunter.