Unknown loan on credit file

emmadiva

Hi - have checked my credit file and there’s a loan on there with alliance and leicester  dated April 2025 which I have no clue about does anyone have a clue what this could be ??? 🤨

sourcrates

Well I very much doubt anyone on here will know that.

Its impossible to say, your best bet is to raise a dispute with the CRA concerned, is A&L your bank or not?

Regardless you could ring them and say you have an unidentified credit file entry from them, they may not be able to discuss the matter with you if its not your account, but you can raise a complaint with them to at least investigate the matter.

Grumpelstiltskin

A & L vanished a long time ago.

Alliance & Leicester - Wikipedia

DullGreyGuy

emmadiva said:

Hi - have checked my credit file and there’s a loan on there with alliance and leicester  dated April 2025 which I have no clue about does anyone have a clue what this could be ??? 🤨

So have you applied for any credit anywhere in the last month? 

Does it actually say A&L? The brand was retired more than 15 years ago

emmadiva

Hi yes it actually says alliance and Leicester I haven’t had any credit recently and have also not banked either them at all that’s why I’m so confused 😕 

emmadiva

???????????????

sourcrates

Apologies, it didn`t twig at the time, A&L were integrated into Santander in 2011.

Did you ever have any debt with that bank?

Sometimes when old debts are sold, the details re-appear on credit files under the original lenders name.

emmadiva

No nothing with Santander either 

sourcrates

Only thing you can do then is "raise a dispute" with the CRA reporting it.