I have the same name as my father, his CCJ has just turned up on my credit report. 31 March 2022 at 2:18PM in Credit file & ratings 6 replies 233 views

stevefren

my father has paid his fine, but the CCJ has appeared on my credit report. (we also have the same address)
I cannot now get a mortgage with my fiancé. 
Some credit report organisations have removed the CCJ from my file, but Equifax refuse to do so even with a letter from my father.
Equifax have suggested I talk to the court who issued the CCJ, but the court will not talk to me.

any advice on how I fix this error?
thanks

marcia_

 Your father should Contact the Court and the company who applied for the ccj and get them to correct the records. Neither can speak to you

 

MalMonroe

I agree with marcia. Your father should be the one to contact the court and the company who applied for the CCJ. 

Although the credit report agencies should take notice of what you say because even if you have the same name and address, your dates of birth and credit histories are surely different.

penners324

Issue an official complaint to Experian about this. If they still refuse then refer them to the Informationen Commissioners Office

[Deleted User]

penners324 said:

Issue an official complaint to Experian about this. 

But only if they also show it.  Otherwise, send it to Equifax.

Thrugelmir

penners324 said:

Issue an official complaint to Experian about this. If they still refuse then refer them to the Informationen Commissioners Office

The father needs to be the proactive one. 

brianposter

Make a complaint to the ICO over the courts refusal to speak to you.

It is worth remembering that courts are not particularly competent.