Lantern Debt

Colly109

I sent them a complaint with the template prove it letter on here, there response was again to seek my address, number dob etc. Which I won't do, really don't know were I go from here because of their actions impacting on my mortgage. Zero support from experian I thought they may have had more powers they don't seem to.

Really frustrating the amount of time and effort I have put into this and I am no further forward, can't understand how they can get away with just assigning debt to me and that's ok

EssexHebridean

Are you using a mortgage broker? If so, I’d suggest that talking to them might be a good plan. If you aren’t currently going through a broker, then you might want to consider talking to one.

Have you checked all three of your credit reports to see whether it is only one the falsely attributed debt appears on? 

fatbelly

Colly - there are three credit reference agencies. Have you checked all three and is there anything that is incorrect?

Earlier you said that there was nothing on there from Lantern. Is there now?

Colly109

fatbelly said:

Colly - there are three credit reference agencies. Have you checked all three and is there anything that is incorrect?

Earlier you said that there was nothing on there from Lantern. Is there now?

I have spoke with Experian wasn't anything on addresses associated with me when I provided them incorrect address lantern sent letters to they could see it, who are the other providers I should check with?

I am at my wits end with this broker came back to see when mortgage company did deep search this came up, any help be greatly appreciated really affecting my mood

flipflopflo

@Colly109, there is Transunion, Equifax and Experian

 Have a check of Martins guide to checking your credit reference files. 

https://www.moneysavingexpert.com/loans/check-free-credit-report/

fatbelly

I'd go for statutory reports from each of them and, as I sad before, if there is anything incorrect, complain till it's changed.

Refer to the ICO if necessary

If you have a 'linked address' that you have never lived at then that is incorrect.

Colly109

fatbelly said:

I'd go for statutory reports from each of them and, as I sad before, if there is anything incorrect, complain till it's changed.

Refer to the ICO if necessary

If you have a 'linked address' that you have never lived at then that is incorrect.

Thanks for all this, very much appreciated  when I went back to their email telling them I will not be providing any further personal information they have responded will investigate and let me know within 8 weeks. Hopefully the start of getting somewhere

fatbelly

Yes you have to allow them 8 weeks to respond before you can escalate it