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Who puts the details against my credit history?
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Lisa82
Posts: 44 Forumite
When a company passes information over to the credit agency, who decides that the information is for me?
For example if Scottish Power have an account for someone with the same name as me, but a different address and date of birth, and it displays against my credit report, is it SP telling the CR to put it against my report, or does the CR take the information and decides it’s for me?
I have had numerous issues over the years with someone else’s details appearing on my account, with the latest now resulting in me being declined for a mortgage due to their account being defaulted.
I have raised lots of disputes, but often the company just say it’s correct. They then refuse to talk to me because I’m not an account holder. And round and round in circle I go. So frustrating!
For example if Scottish Power have an account for someone with the same name as me, but a different address and date of birth, and it displays against my credit report, is it SP telling the CR to put it against my report, or does the CR take the information and decides it’s for me?
I have had numerous issues over the years with someone else’s details appearing on my account, with the latest now resulting in me being declined for a mortgage due to their account being defaulted.
I have raised lots of disputes, but often the company just say it’s correct. They then refuse to talk to me because I’m not an account holder. And round and round in circle I go. So frustrating!
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Comments
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The details are provided as discrete records to the CRAs and it is the CRAs that decide who the data goes againstI’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
Great thanks, makes it easier to focus my frustrations on them rather than Scottish Power!0
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Great thanks, makes it easier to focus my frustrations on them rather than Scottish Power!
Your frustrations (and indeed, demand for compensation) should be directed at Scottish Power for not doing proper due diligence, alongside complaining to the CRA for a data breach. Complain to them and the ICOSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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There has been no data breach. It is just a matching algorithm failure that you need to get the CRA to resolve.I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
"I have had numerous issues over the years with someone else’s details appearing on my account"
That's a data breach. OP , report it to the ICO.0 -
If they have the same name then it is a matching issue - that really would not count as a data breachI’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
It would be for the other party - but they would have to know about it obviously
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