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Credit Ref Agencies-out of control ?

When I tried to apply online for an Isa account I was amazed to find that Experian had been unable to verify my identity to the broker, and my application was declined.
On checking with Experian I found that they had not updated my file since I moved home six months ago, even though my bank assures me that all adress details would be sent to Experian on a monthly basis.
As I had updated my details with just about every agency, ie Tax office, banks, Council etc, I cannot imagine that Experian were not aware that I had moved. However, when I spoke to Experian, they informed me that 'it was my responsibilty to update my details with them'. Since when have CRA's been on a par with the Inland revenue ?
What if I had never heard of their existence ? How would I know that they had black-balled me ? While I can understand that banks and others need to protect their interests, giving the information to third party should be illegal.
Peter

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