Dispute a default on my experian credit file.

fermi

cheops2006 wrote: »

You need to send CCA request to the company with a £1 postal order to get the signed agreement, if they cannot provide it within 30 days I think you can ask them to stop processing your data with the CRA's and remove it. However they can still come up with the agreement at any time and start processing again. Thats my interpretation anyway.

Not true, and besides the contract in this thread is a phone contract, so a CCA does not even apply to this.

cheops2006

Well you learn something everyday, Ignore my post thanks for the info.

cheops2006

This looks like the kind of thing though ?

http://eecomplaints.co.uk/ee-complaints-letter-templates/letter-6-ask-for-prove-of-unknown-debt-to-ees-dcs

JamesSmith2000

Now theytell me
-
Thank you for your e-mail.


We are no longer instructed in this matter and the account has been returned to our client.

Many thanks
-

So who is responsible for the default on my file?

fermi

What company is the default recorded as being from?

They are the people responsible for it's accuracy.

JamesSmith2000

exactly this is the company shown on my file, they obviously cant prove it and I am reporting them. now they say its not their responsibility.

how can i get to the bottom of this please? I am asking them who is responsible for putting that default on my credit file?

JamesSmith2000

it seems they have a get out clause by passing the buck, who is responsible for a default recorded on a file that is suspected to be wrong? how can I get to the one who is responsible?

fermi

The company name on the entry on your file is the one responsible. Doesn't matter what excuses they make. Once it is in their name, they are the data controller responsible for updating or correcting the record.

So it's in the name of a debt collector now on your file?

JamesSmith2000

fermi wrote: »

The company name on the entry on your file is the one responsible. Doesn't matter what excuses they make. Once it is in their name, they are the data controller responsible for updating or correcting the record.

So it's in the name of a debt collector now on your file?

I have said this to them thankyou. They are trying to pass the buck, but it is the company who put the default on my file that I am dealing with. I thought they were the ones who say I owe them money, but now they are saying they represent someone else.

I am going round incircles.

fermi

Worth reading

https://forums.moneysavingexpert.com/discussion/4982656