Credit Karma Using the Wrong Information

NorthernMarc

My wife and I have been in a dispute with Credit Karma for over 6 months. We moved house in January got ourselves on the electoral register and updated all our accounts. Experian, Equifax and TransUnion all have our details correct at our new address. But Credit Karma keep asking for our credit reports based on our old address, so we don't show up on the electoral register, eventhough we update our details with them at the same time. Does anyone have any idea how I can get them to fix this or a contact phone number for them as email just isn't working?

D3xt3r5L4b

CreditKarma is the report provider for TransUnion. If TU have your correct address then there should be no issues. 

NorthernMarc

Yes TransUnion have the correct address, but Credit Karma are requesting a report with my detail, but the wrong address. TransUnion feed that information in and the credit report generated checks my old address for the electoral roll not my new one therefore gives the correct answer stating I am not on the electoral roll at my old address.

When I spoke to TransUnion they said they can only provide a report based in the information provided by Credit Karma and they can't seem to get it right.

ClaretHead

I've noticed this with Credit Karma as well. We moved house in April, and got onto the electoral roll ASAP. Normal credit reports show us on the roll, but although Credit Karma has our new address in the Profile, when we generate a Credit Karma report it says  "Your personal details - This is the information used to generate your TransUnion credit report" and shows the old address and says we are not on the electoral roll. Credit Karma is a free service, so I guess you get what you pay for!. .

D3xt3r5L4b

NorthernMarc said:

Yes TransUnion have the correct address, but Credit Karma are requesting a report with my detail, but the wrong address. TransUnion feed that information in and the credit report generated checks my old address for the electoral roll not my new one therefore gives the correct answer stating I am not on the electoral roll at my old address.

When I spoke to TransUnion they said they can only provide a report based in the information provided by Credit Karma and they can't seem to get it right.

Are you trying to sign up to Credit Karma or is this an existing account with them?

NorthernMarc

This is an existing account that dates back to when it was Noodle. Never had any issue before when I moved in 2017 just don't know how to get them to fix it.

D3xt3r5L4b

NorthernMarc said:

This is an existing account that dates back to when it was Noodle. Never had any issue before when I moved in 2017 just don't know how to get them to fix it.

Try deleting the account and signing up again.
Or sign up as a "new" user using a different email address.

kaMelo

NorthernMarc said:

Yes TransUnion have the correct address, but Credit Karma are requesting a report with my detail, but the wrong address. TransUnion feed that information in and the credit report generated checks my old address for the electoral roll not my new one therefore gives the correct answer stating I am not on the electoral roll at my old address.

When I spoke to TransUnion they said they can only provide a report based in the information provided by Credit Karma and they can't seem to get it right.

Surely that's the wrong way around. TransUnion are the CRA who collate the data.
Credit Karma get their data feed from TransUnion. 

NorthernMarc

kaMelo said:

NorthernMarc said:

Yes TransUnion have the correct address, but Credit Karma are requesting a report with my detail, but the wrong address. TransUnion feed that information in and the credit report generated checks my old address for the electoral roll not my new one therefore gives the correct answer stating I am not on the electoral roll at my old address.

When I spoke to TransUnion they said they can only provide a report based in the information provided by Credit Karma and they can't seem to get it right.

Surely that's the wrong way around. TransUnion are the CRA who collate the data.
Credit Karma get their data feed from TransUnion. 

You would have thought so, but apparently TransUnion can only do a credit reference check based on the information provided by the person or company requesting the check. So as Credit Karma keep requesting using my correct name, but the wrong address TransUnion have to do the check based on the address given and my name, which results in me not being on the electoral roll.

D3xt3r5L4b

Credit Karma check based on the info provided to them by the user. 

As above delete and recreate your account or create another account with a different email address and see what it pulls back. 

NorthernMarc

D3xt3r5L4b said:

Credit Karma check based on the info provided to them by the user. 

As above delete and recreate your account or create another account with a different email address and see what it pulls back. 

I have tried to create a new account with a different email, but it won't let me get past the first step of providing my details, but does not give a reason. I presume this is because I already have an account using my details.

I don't want delete the account I am having an issue with as I have raised a complaint with ICO in respect of Credit Karma's breach of Data Protection Laws.

1. By sending information about me to a third party (TransUnion) that they know is incorrect I have notified them of the error.

2. By failing to rectify the error in a timely fashion (usually with a month, but on rare occasions can be upto three, now over six)

3. By failing to notify the third party (TransUnion) they they have made a mistake and knowingly sent false information.

Until I have the ICO decision I really don't want to delete the account.