We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
We're aware that dates on the Forum are not currently showing correctly. Please bear with us while we get this fixed, and see Site feedback for updates.

Is this identity theft?

Hello

I've just noticed that there are two companies on Companies House are registered under my name (different addresses but same DOB). I have quite a rare name so it would be very unlikely that someone would have the same name and DOB. 

I did have a previous instance of someone trying to apply for a bank account with my details a few years ago but I reported to action fraud. 

I have my own registered company on beta house (with a forwarding address).

I've checked Experian and doesn't appear to be anything taken out in my name and my cred rating seems stable.

I will be contacting action fraud. 

Do I need to do anything else? 

Apologies if posted in the wrong section

Thanks 

Comments

  • I would say also check your files with the other two CRA's, TU and Equifax to ensure there is nothing on those that you weren't expecting.

    If your details have been used to register a limited company it might be worth speaking to Companies House but I am not sure how open they are to investigating things like this. Any credit taken out in the limited company name wouldn't cause you any bother, the only issue would be if your name has been used for a directors guarantee. You might want to research CIFAS registration to see if that would be of use to you.
  • glybera27
    glybera27 Posts: 43 Forumite
    Second Anniversary 10 Posts Name Dropper
    Thanks for this. Just to check if you register with CIFAS does that automatically reduce your credit rating? Thanks 
  • No, but it may slow down future credit applications as the CIFAS flag will mean that applications are manually reviewed by lenders before making a decision.
  • James
    James Posts: 2,059 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Sound advice to check also with TransUnion and Equifax.

    CIFAS Protective Registration why not look at other more effective and cheaper alternatives?

    The Solution To Identity Fraud - The AntiSocial Engineer Limited

    MyPAS - The AntiSocial Engineer Limited

    OR

    Password Protect your credit files with ALL 3 agencies

    Hope you find this on interest and worth considering.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 348.3K Banking & Borrowing
  • 252.1K Reduce Debt & Boost Income
  • 452.4K Spending & Discounts
  • 240.9K Work, Benefits & Business
  • 617.3K Mortgages, Homes & Bills
  • 175.7K Life & Family
  • 254.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.