How to claim compensation for error on my credit file

phillw

MovingForwards said:

Late / missed payments would mean instalments for car insurance may not be possible.

Whenever car insurance companies have offered me installments then it's always been at a higher rate, so arguably EE have saved them money.

Fighter1986

karen_dyson said:

About six years ago, somebody fraudulently signed a mobile phone contract with EE using my address and a name similar to mine, and it has been affecting my ability to get credit.  I only recently discovered it, despite many enquiries to both EE and credit reference agencies (who all said that my credit was fantastic).  EE have now corrected it and offered £50 compensation.  I declined their offer of £50 because I know it has cost me a lot more than that over the last few years.  
Some of the issues I have had include being declined for credit cards, being unable to upgrade my bank account to qualify for free travel insurance, being unable to obtain a new mobile phone contract, being unable to change providers for internet etc.  I suspect it has also affected other things such as the price of my car insurance.  Does anyone have any advice on how to structure my compensation claim, and/or what to include.  Thanks in advance for any suggestions.

EE's obligation under the data protection act / GDPR is to remove or correct false or inaccurate data within 28 days of it being brought to their attention.

They have gone above and beyond their obligations by also offering you £50 compensation.

It is the consumers responsibility to keep an eye on their credit files especially immediately before applying before any credit scored products to ensure they can raise disputes and have any inaccurate data corrected before submitting an application which might take this inaccurate data into account.

I'm afraid EE haven't acted outside their obligations here.

A_Lert

karen_dyson said:

I only recently discovered it, despite many enquiries to both EE and credit reference agencies (who all said that my credit was fantastic).

Can you expand on exactly what you mean here? Did you get and read your actual credit report (not just a "credit score") from the three main agencies during the six year period of interest? If you did, does the fraudulent contract show up? If the fraudulent contract was not on your report, do you have evidence that any lenders were informed of it?

jimbo26

I think you will struggle to quantify in monetary terms how much this error has cost you. I wonder what other negative stuff might be on your file, as I find it hard to believe that the one negative from EE has meant you can't get car insurance. Also, why on earth didn't you discover this earlier, surely after all the declines you would have started to investigate why this was happening?