A little advice needed???

help-really-needed

Sorry I don't know if this is the correct place to post this but i thought maybe you experts can offer some advice.

Both myself and my husband have been caught up in the egg card debacle, I requested my credit record online and as suspected its clear. For some reason Experian would not let my husband view his online so instead issued it by post. It arrived today.

On the account information page it lists his open and settled accounts as well as a strange entry. Its a default for £134 dated 21/3/06 from a company called 'Avon' The only company i can think of is the door to door cosmetic company.

I should also mention that it is registered as MRS C our surname with the same DOB and he is MR Craig our surname. There is also a linked address on his file to an address in Essex, a county we have never even visited let alone lived.

Obviously this debt is not his and I am concered the damage it may be doing to his and our credit files.

How can we/he get this removed from his file. He has not recieved any correspondance regarding this ever.

I have tried contacting the referance agency but they just provided an address for 'avon'.

Can anyone help in the wording of the letter??

Sorry if this is in the wrong place, Board mods please feel free to move it if it is.

Thanks

boredofbeingathome

Just had a quick look on the threads and found this one http://forums.moneysavingexpert.com/showthread.html?t=80758&highlight=removing+entry+from+credit+file
Hope its of some use as it has other links on it as well.

help-really-needed

Thank you,

waslooking for 'default that isn't mine' and was drwing a blank.

Thanks again

fermi

If there is incorrect information on your report you can make a formal complaint in writing to Experian and the creditor.

Probably best to complain to Experian in writing first.

How to complain is explained in pages 19 - 21 of the document below prepared by the Information Commissioners Office.

They legally have 28 days to respond to you detailing what action they will take.

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

If the Credit Reference Agency won't remove it, then you can complain to the creditor who placed it there.

If they won't remove it then you raise a complaint with the Information Commissioner. That is explained in pages 22 -24 of the document I linked to.