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Benificiary Trace Enquiry

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jimjimster Posts: 2 Newbie

29 February 2016 at 4:15PM edited 29 February 2016 at 4:21PM in Credit file & ratings

Hello,

I am a newbie Here so I apologize if this is an incorrect place to post . I have rather troubling entry in my credit file as detailed below , would appricite greatly if any one could help

Hi,
I Recently Thought of Getting My Credit Reports ,
On My Equifax Report there is a Search enquiry by Shop Direct Finance Limited called a "Beneficiary Trace Enquiry" on both my current address and a previous one ,this has been done sometime in November 2015 , looking online it seems to be connected with Littlewoods,
Now interestingly I had an account with them till 2008, when I was abroad for quite a while they had apparently put some buy now pay later debt letters had arrived at home ( I hadn't purchased any items what so ever for a long while- the account should hav been dormant ) they put it in my credit files , after writing a few letters to and fro saying I can prove they weren't mine they apologised ,closed the account and subsequently removed it from my file ( it was only on Equifax if I recall correct) .
I would be greateful to know if this has a connection or what this " Benificiary Trace Enquiry " means?
Thanks

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