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A Third Parties Credit Accounts Appear on My Credit Reports Similar Name Same DOB - Help?
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LoopyLewis
Posts: 1 Newbie
Can anyone help me please, I am totally at a loss. In 2019 a Credit Card Company had incorrectly combined my account with a third parties (similar name, same DOB), I disputed this and contacted the Financial Ombudsman, I was paid Compensation, HOWEVER I now have 16 of this persons Defaulted accounts linked to my credit report (Which was previously Perfect) Even my Ebay account has now been suspended because of the issue and Companies with whom I have had long term accounts with have reduced my available credit, some removed. I have received letters from this persons Credit Companies, have always immediately informed them of the error, but we're still linked! On the 17th October 2020, I disputed 16 accounts belonging to this person, showing on my Credit report with 'UK Credit Ratings' I received an email confirmation that my dispute had been raised but no further correspondence.
Due to divorce, I need to move house this year, there is no way I would be approved for a mortgage with this affecting my Credit Rating.
Thanks in advance
Due to divorce, I need to move house this year, there is no way I would be approved for a mortgage with this affecting my Credit Rating.
Thanks in advance
0
Comments
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Have a look on the information commissionaires website (ICO), they are the FOS of the data world.
Usually you can`t make a complaint straight away to them, you have to let the protagonist attempt to sort it out first, however with 16 potential creditors to deal with, they may be able to offer you guidance on how best to achieve this.
They have both live chat and a helpline number -
Make a complaint | ICO
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