Failing to update the credit file.......

Brogden

Hi All,

I am in a Self-Managed DMP. Naturally I have felt a little under the cosh now and then so I do expect creditors to behave and abide by their duties.

Following a long break, I have had cause to view my credit file. I notice that some creditors are happy to put a default on file and then not update the file to reflect my ongoing payments. In a couple of cases no update has been made for a year or more and the debts are still showing a balance from about a year ago. They have not been sold to DCA's either.

Can anybody say.......are these predators in breach of any responsibility under the FCA's rules? Is this cause for an official complaint?

Thanks everybody.

Brogden.

fermi

https://forums.moneysavingexpert.com/discussion/3172602

Data that is reported on your credit file must be fair, accurate, consistent, complete and up to date.

as a application of the 4th Date Protection Principle set down in the Data Protection Act 1998

https://ico.org.uk/for-organisations/guide-to-data-protection/principle-4-accuracy/

Personal data shall be accurate and, where necessary, kept up to date.

Not updating for a year, is very very much NOT excusable.

Brogden

fermi wrote: »

https://forums.moneysavingexpert.com/discussion/3172602



as a application of the 4th Date Protection Principle set down in the Data Protection Act 1998

https://ico.org.uk/for-organisations/guide-to-data-protection/principle-4-accuracy/



Not updating for a year, is very very much NOT excusable.

Thank you very much for this Ferni.

I am going in with a complaint, a promise to take to the FOS if final response unsatisfactory and a cheeky F&F offer to avoid the need for them to have to go to any trouble !!

Thanks again - very much appreciated.