Experian showing wrong information

amled

I have noticed that experian are showing incorrect information on my credit file:  They show thta I have 2 credit cards - no idea why as i do not and have never had. 2nd, they are showing that I have a loan for £361.00.  I noticed this in July 24.   totally incorrect as I do not have such a load and if i had - by now hte amount would have decreased  I have tried to contact them to discuss this - but you can only go through to someone if you are a  paying member.  The information is so random - but it is affecting my credit rating.  It is outrageous that I have to pay to correct this information - I feel it is a bit of a red herring to get ppl to pay - does anyone know how I can go about getting this information corrected without having to pay to join them - to correct their random mistake?

There is no inforamtion re where the loan is supposed to be from or the credit cards.
Help please

fatbelly

What are they actually doing? Have you also checked the other two cras?

elsien

What is the nature and source of the incorrect information? If it’s come from a financial provider then can you not go via that provider to get it amended?

Nasqueron

As elsien has said - CRAs only report what they are told by a lender or finance provider - if they have wrong details like the DoB or address etc then you should complain to Experian formally (check it's right on ClearScore and Credit Karma as well). If the details are incorrect on credit then you should complain to the lender. It would help if you explain what is incorrect though

amled

Thanks everyone - it says I have 2 credit cards - which I do not and have never had.  Also that I have a loan for £361.00 I do not.  It has been saying this for some time. If i had a loan - it would have gone down by now.  It has no information re who the loan is or who the credit cards are from so I cannot contact anyone. 

fatbelly

Get a proper report.

https://www.experian.co.uk/consumer/statutory-report.html

Email the lender to ask what this is and why it's on your report

DullGreyGuy

amled said:

Thanks everyone - it says I have 2 credit cards - which I do not and have never had.  Also that I have a loan for £361.00 I do not.  It has been saying this for some time. If i had a loan - it would have gone down by now.  It has no information re who the loan is or who the credit cards are from so I cannot contact anyone. 

As others have said, CRAs only report the information they are given so you are barking up the wrong tree. 

Who is the unrecognised card and loan with? That is the company you need to be contacting to see why they are reporting you owe them money. 

eskbanker

amled said:

I have tried to contact them to discuss this - but you can only go through to someone if you are a  paying member.  The information is so random - but it is affecting my credit rating.  It is outrageous that I have to pay to correct this information - I feel it is a bit of a red herring to get ppl to pay - does anyone know how I can go about getting this information corrected without having to pay to join them - to correct their random mistake?

I don't think you really understand what randomness is - it's not the same thing as 'unexplained'!

Anyway, it seems to me that there are (at least) three different possibilities here, so you need to narrow down which it is:

1. Experian have made a mistake with their data matching processes after receiving valid data from the creditors (e.g. for someone else), in which case they (Experian) are responsible for correcting their error, without charging you.
2. The creditors have made a mistake and submitted erroneous data to Experian - if this is the case then chances are the same data will be shown at the other CRAs too.  The creditors will be responsible for fixing this.
3. Alternatively, someone has succeeded in opening credit accounts in your name, i.e. the creditors and Experian are reporting factual data, but there's a wider issue to resolve....

amled

I have not worked out how to respond directly but this is for eskbanker.  I am aware of what random means.  In this context, as the data is unkown to me it is random from my perspective.  You could have been helpful without being pernikerty & incorrect to boot.

fatbelly

If you press quote, it brings up that poster's post for you to comment on, and also notifies that poster that you have mentioned them