Fraud Case

abdul56

sourcrates wrote: »

Lots of people post there name, there address, there birthday, and there mobile number on social media, that’s all a scammer needs to commit identity fraud, then they wonder how they were scammed......

But I havent, thats what I find odd.

eskbanker wrote: »

If this is the first piece of Satsuma correspondence that's reached you then what's happened to the others before it - does anyone else have access to your post, either within your home or in a shared hallway, etc?

You might wish to submit a subject access request to find out exactly what data they hold about you, as explained at https://www.satsumaloans.co.uk/privacy

Good idea, I will do that this evening.

abdul56

Experian rejected my Claim that the data is correct from the provider .

''...Provident Financial account started 26/09/2019.

They have confirmed that the information is accurate, so I am afraid that I cannot make any changes to it....''

eskbanker

abdul56 wrote: »

Experian rejected my Claim that the data is correct from the provider .

''...Provident Financial account started 26/09/2019.

They have confirmed that the information is accurate, so I am afraid that I cannot make any changes to it....''

Yes, if Provident Financial tell Experian that they have an account in your name (which they do) then Experian won't/can't simply take your word for it if you dispute this with them - you need to convince Provident Financial that it's nothing to do with you first, after which they'll advise Experian and other CRAs.

Experian's FAQs explain this at https://www.experian.co.uk/consumer/help-discover/:

Can I have something removed from my Experian Credit Report?

We can't remove anything from your Experian Credit Report if it's accurate and true, although information only remains on your Experian Credit Report for a certain period of time.

• Account details remain for six years from date that account is closed (whether it's settled or defaulted)
• CCJs, IVAs and bankruptcies remain for six years from the date they start
• Searches remain for 12 months
• People you're financially associated with remain indefinitely and can't be removed while you're still associated with them (like having a joint bank account)

If none of these applies and you still think something isn't right and should be removed from your Experian Credit Report, you can contact us.

When we receive your query we will handle this in accordance with your rights under the Consumer Credit Act. This means we will contact the Organisation who provided the data you are querying and let you know the outcome within 28 days. This is because in most circumstances we are not allowed to change information on your credit report without permission from the company who provided it to us.