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Incorrect CCJ
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David69622
Posts: 6 Forumite

My daughters partner has a CCJ wrongly placed on his credit file (his father has the same name). The courts say that its Experians fault and Experian say that they have correctly applied the information given by the court.
Any suggestions on how he proceeds?
Any suggestions on how he proceeds?
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Comments
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The courts report factual data to credit reference agencies but have no part in allocating that data to a person, that is done by the CRA.
Complain to Experian that they have made a mistake and incorrectly allocated the data to your daughters partners credit file. It may help if you could supply evidence to back up your complaint. If they don't resolve the problem to your satisfaction take it to the ICO.
https://ico.org.uk/for-the-public/your-right-to-get-your-data-corrected/
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Thanks. How do we get the full information (ie DOB) as all I’ve seen is name and address which is the same for both parties.0
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You are not questioning the accuracy of the data supplied by the court to the CRA, you are questioning the CRA's accuracy in allocating the data, Having two people with the same name at the same address will obviously make things more complicated but it's it's the CRA's job to be accurate.
Complain they have allocated data incorrectly, if they don't correct it take it to the ICO.0 -
So how do the CRA's differentiate in a case like this where the name and address are the same. It can only be by date of birth?
If the court don't supply the DOB, how can they know which file to apply the CCJ to?
If the court do apply it by DOB, why would the CRA deny liability in this instance and blame the court?No free lunch, and no free laptop0 -
macman said:So how do the CRA's differentiate in a case like this where the name and address are the same. It can only be by date of birth?
If the court don't supply the DOB, how can they know which file to apply the CCJ to?
If the court do apply it by DOB, why would the CRA deny liability in this instance and blame the court?0
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