Unknown closed account showing on clear score

little_green

Following a huge saga (I'll insert link later) I was advised to check clearscore.
Having done this, under closed accounts there is an account listed with a bank I have NEVER banked with. It has open and closed dates and the last 4 digits of the the account number.
I contacted the bank but they said they can't access info re closed accounts and certainly without a sort code or account number.
I'm being chased for debt which I believe I'm not liable for and suspect I've been victim to identify fraud/theft.
This bank account could have been set up by a fraudster with my details and could be linked to the debt being chased. I'm trying to establish all these details but everywhere I turn I'm getting no responses.
I told the bank I didn't set up that account and have never banked with them but as stated above they said they can't give any info and were insistent I should know the sort code and ac. No. How can I know those when it was not me who opened the account!?

Surely a bank has a responsibility to investigate claims of fraud even on historical accounts?

Help is much appreciated

Willing2Learn

Are you saying you are being chased by a DCA for an account of which you have no knowledge? Send the DCA a 'proveit' letter.


Are you saying the mystery account is being reported on your credit file? Advise the company who is misreporting the data that you would like the data removed as it is wrong

little_green

Willing2Learn wrote: »

Are you saying you are being chased by a DCA for an account of which you have no knowledge? Send the DCA a 'proveit' letter.


Are you saying the mystery account is being reported on your credit file? Advise the company who is misreporting the data that you would like the data removed as it is wrong

hi DCA is chasing me for an alleged debt for paypal, however I don't believe this debt is mine. I think a fraudulent account has been set up using my name & address. When I received the first letter I contacted both the DCA & paypal . No response from DCA & paypal were very unhelpful saying they could not disclose data to me, don't I have a legal right to the details of the debt? Time period, transactions etc.

I checked clearscore for the first time tonight & as I stated above it says under closed accounts that I had a current account with a certain bank. It states opening & closing dates for the account & the last 4 digits of the account number.
Do you think it's just a case of clearscore having the wrong info or do you think there is a chance this account did exist & was opened fraudulently?

As both DCA & paypal have failed to provide me with any details re the alleged debt I have no idea to what time period it relates, however there could be a chance it's linked to this unknown account.

Don't the bank have a duty to investigate if i'm saying there appears to be a historic account created in my name that I believe to be fraudulent.

sorry here is the link to the entire saga: https://legalbeagles.info/forums/forum/money-debt/debt-collection-agencies/1481966-alleged-debt-help