O2 'unable' to remove fraudulent hard search from my credit report

Nasqueron

arealltheusernamestaken said:

EnPointe said:

arealltheusernamestaken said:

MorningcoffeeIV said:

Raise a formal complaint.

But also don't sweat it.  A single utility search will have no impact on you.

Thank you. A good idea. Needless to say, they have not exactly helped me down that route and -- in keeping with the 'system says no' approach thus far -- would like an account number of course. But putting it in a letter would at least be cathartic.

I do realise the single search is not that damaging, but it's still infuriating that I can go out of my way to save them from losing a £1K+ phone and a lot of time/hassle, and they do nothing to save me from penalty. Vodafone did that, and reported it to Action Fraud, in a single phone call. Everyone happy.

Anyway, 'write to O2 to complain (again)' has been on my to do list for too long already. You've motivated me to finally do it and just avoid ever dealing with them again.

what  penalty or loss do you believe you have suffered ? 

The hit to my credit rating. However large or small it was, it should not have cost me a single point. I did the right thing. I saved them the cost of the most expensive phone they sold at the time. They did nothing for me.

Also, worth noting that the collective hit to my credit rating from the tsunami of hard searches that happened initially (bank accounts, mobile accounts, etc... all created either before I was aware of them or before I had learned all the steps you need to take to slow the fraudsters' progress) was significant, even if each individual one was not huge. *All* of those organisations wiped the hard searches from my record except O2.

The fictional/gimmick credit "score" is not seen by any lender, it is not used in any lending decision. Your score can go down if you pay off debt, if can go up if you take out more credit. The number you see going up or down is not a reason for financial compensation.

If you can point to a measurable and provable loss such as a higher rate of loan and can show this entry was the reason, you might have justification