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Fraudulent activity from 2020 has now appeared as a default on my credit file!
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Have you complained to ACI? If so the lodge a complaint to FOS and ICO0
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As above, you need to formally complain in writing (is best) to ACI to get this removed.
You must first exhaust the complaints process.
Only then, if you remain unhappy, can you escalate the matter to the ICO.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
You have a lot of evidence. The Financial Ombudsman will take a decision on the balance of probabilities where there is something missing.
One thing that may help is to ask ACI to produce the CCA agreement for the debt using this template https://nationaldebtline.org/get-information/sample-letters/information-about-your-agreement-under-consumer-credit-act/. If this cant be produced, it shows that ACI don't know much about the debt. If it can hopefully it has the wrong address which supports you saying this was the fraudulent debt.0 -
Can’t you not also raise an online complaint with the CRA(s) as a “not my account”?0
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