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

rb10 · 12 January 2014 at 1:10PM

VictimOfImpersonation wrote: »

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 output of overworked legal brains employed to steer the hole sorry mess through some eye of a needle and convince us they succeeded !

These two organisations store data, and then sell it to banks as and when requested.

So they are a Data Controller, as they have access to personal data about identifiable individuals.

But, whether seen through some "overworked legal brains" or not, they don't make any decisions based on this data.

VictimOfImpersonation wrote: »

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.

No, it's fact.

Are you able to give an example of any decisions made by CRAs, Synectics or Experian Data Analytics that use your personal data?

VictimOfImpersonation wrote: »

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?

It is stored on the computer system, and accessed by banks and other potential lenders (for a small fee) when you apply for a financial product.

VictimOfImpersonation · 12 January 2014 at 1:36PM

rb10 wrote: »

Are you able to give an example of any decisions made by CRAs, Synectics or Experian Data Analytics that use your personal data?

Absolutely. They decide what they will show me and what they won't and they decide what fee they will charge me and others to look at the data they have decided to offer. They decide what data to group under each of the products they sell to lenders and others and they decide how up to date the information they sell will be depending on the fee they have decided to charge or the favours they owe.

Even Experian company representative makes decisions. He decided recently that he need not cause a general date of birth mismatch cleanup / investigation based on mismatches easily to be found as a result of them earlier deciding not to check and verify the data they are given in ways we would expect.

They decide how they will receive the data and where to put it and whether to expend resources on checking it.

Need I go on? To suggest they make no decisions on the data is incredibly naive, or it is dishonestly misleading. You are not one of those needle-threaders, are you ?

rb10 · 12 January 2014 at 2:12PM

VictimOfImpersonation wrote: »

Absolutely. They decide what they will show me and what they won't and they decide what fee they will charge me and others to look at the data they have decided to offer. They decide what data to group under each of the products they sell to lenders and others and they decide how up to date the information they sell will be depending on the fee they have decided to charge or the favours they owe.

All of which are merely process decisions. Very important that someone's doing them, but they don't actually impact your/my ability to get credit.

In the same way, Experian decide what colour their logo is. But it doesn't impact my credit card application.

nottoolate · 12 January 2014 at 2:14PM

VictimOfImpersonation wrote: »

Need I go on?

I dont think anything is likely to stop you. :rotfl:

VictimOfImpersonation · 12 January 2014 at 2:25PM

rb10 wrote: »

All of which are merely process decisions. Very important that someone's doing them, but they don't actually impact your/my ability to get credit.

Yes they do when they are making decisions not to clean up their act but merely to clean up. I have made the state of their databases very clear these past couple of weeks using my own cases as examples. My own case is not a one off.

In the same way, Experian decide what colour their logo is. But it doesn't impact my credit card application.

Now you don't expect to be taken seriously with such a factuous argument, surely?

Besides, you are limiting your argument to the concept of a "credit rating" which has no meaning. These organisations store and constantly process data from multiple sources and the purpose of their business is often far wider than anyone's understanding of what a "credit rating" might be - and how that affects us. We are almost unique in Europe in having such a vast underworld system of personal data trading that has a veneer of legitimacy only because they hold power using that data.

These murky traders take us back to the days of Newgate Prison where debtors where thrown indiscriminately unless they knew the right people.

Personal Debt is a black mark unless you have friends in high places. Make the slightest wrong move or fall foul of fraudsters or of the datacontrollers' own mistakes and shoddy data management and it soon marks you as nothing better than a criminal, taking away your rights as a "clean skin" and making you vulnerable to long periods as a second or third class citizen where you have no real idea why jobs are found and then suddenly lost before they start, or denied insurance or all manner of unexpected obstructions to normal life.

rb10 · 12 January 2014 at 2:44PM

VictimOfImpersonation wrote: »

Yes they do when they are making decisions not to clean up their act but merely to clean up. I have made the state of their databases very clear these past couple of weeks using my own cases as examples. My own case is not a one off.

I refer you to Myth 2.

VictimOfImpersonation wrote: »

Now you don't expect to be taken seriously with such a factuous argument, surely?

I don't know the word 'factuous'. I assume you mean 'factual'.

VictimOfImpersonation wrote: »

Besides, you are limiting your argument to the concept of a "credit rating" which has no meaning.

Yes it does. A 'credit rating' or 'credit score' is helpfully defined here by Experian.

VictimOfImpersonation wrote: »

These organisations store and constantly process data from multiple sources

Correct.

VictimOfImpersonation wrote: »

and the purpose of their business is often far wider than anyone's understanding of what a "credit rating" might be - and how that affects us.

But in the context of this thread, Experian's business is wholly related to credit scoring.

VictimOfImpersonation wrote: »

We are almost unique in Europe in having such a vast underworld system of personal data trading that has a veneer of legitimacy only because they hold power using that data.

An impressive (if not wholly factually correct) sentence. Looks a bit like an A-level English Language exam answer.

VictimOfImpersonation wrote: »

These murky traders take us back to the days of Newgate Prison where debtors where thrown indiscriminately unless they knew the right people.

Whilst there are places on the internet for both fact and fiction, let's just be clear that this is nothing more than fiction.

VictimOfImpersonation wrote: »

Personal Debt is a black mark unless you have friends in high places.

I can't claim to have friends in 'high places', but personal debt has never been a black mark for me ... in fact, as I've always managed it properly, it's never done me anything but good.

VictimOfImpersonation wrote: »

Make the slightest wrong move or fall foul of fraudsters or of the datacontrollers' own mistakes and shoddy data management and it soon marks you

True. Everyone makes mistakes. But the good thing is - as you have found recently - if it's the mistake of someone other than yourself, it'll be put right. Ok, it might take a few weeks to do so, but with patience it'll all be put right.

VictimOfImpersonation wrote: »

as nothing better than a criminal

Now that's a bit harsh! Did anyone believe you to be 'nothing better than a criminal' when you told them a fraudulent account had been opened in your name?

VictimOfImpersonation wrote: »

taking away your rights as a "clean skin" and making you vulnerable to long periods as a second or third class citizen where you have no real idea why jobs are found and then suddenly lost before they start, or denied insurance or all manner of unexpected obstructions to normal life.

Really?