what do i do if i find something wrong on my credit file?

trinidadone

I just looked on my noodle credit file, and i notice an account opened with jaca mo in 2013 from my previous address.

The account is in my name. I moved from my previous address in 2006, any suggestions as to what to do, as i think this could have a baring on my credit file?

[Deleted User]

Raise a dispute with Call Credit.

trinidadone

ok, raised this issue with call credit a few months back, received a response back then to say nothing will be addressed. Just sent another request today for call credit to look into this. received an altomatic response to say this is a duplicate dispute, and i should now contact the company in question. MMMMMMMMMMMM, seems to be alot of running around, i will call jaco mo tomorrow, and see what there customer service says.

datlex

Has the criminal who took the account out in your name been paying for it or is there a lot of money due on it?

Sounds to me like identity theft pure and simple. As such you need to report it.

trinidadone

its -£50.00 at the moment

fermi

http://actionfraud.police.uk/

to get a crime number.

Then complain to jacamo that the account is not your and that they have been a victim of ID. That unless they investigate and remove their entry from your credit report, you will be taking them to the FOS and reporting them to the ICO for breaches of the Data Protection Act

trinidadone

tried to record the crime on the above link, but little success as i had not lost any money directly. i just telephoned jacamo, and the story gets even more confusing. I explained I was a victim of identity fraud and wanted the aco!!!! closed, and to come off my credit report. Really helpful lady placed me on hold and spoke to there internal investigations department. She came back to the phone, and said, the company owes me £50.00 and have tried to contact me. I explained, this was not me, but the lady asked for me new address, and said a cheque would be sent to me, which will lead to the account being closed, and thus coming off the credit report.

what do i do now?

DCFC79

trinidadone wrote: »

tried to record the crime on the above link, but little success as i had not lost any money directly. i just telephoned jacamo, and the story gets even more confusing. I explained I was a victim of identity fraud and wanted the aco!!!! closed, and to come off my credit report. Really helpful lady placed me on hold and spoke to there internal investigations department. She came back to the phone, and said, the company owes me £50.00 and have tried to contact me. I explained, this was not me, but the lady asked for me new address, and said a cheque would be sent to me, which will lead to the account being closed, and thus coming off the credit report.

what do i do now?

Pay the cheque in or don't pay it in but keep it somewhere safe if you like in the off chance they ask for the money back.

trinidadone

DCFC79 wrote: »

Pay the cheque in or don't pay it in but keep it somewhere safe if you like in the off chance they ask for the money back.

ok, i just want the account off my credit report