Unknown JD Williams account on file

m-holland · 16 July 2019 at 9:01AM

Hi folks,

Having a bit of difficulty resolving an unknown JD Williams account that is appearing but at the same time not appearing on my credit file.

Every month I get a clearscore alert, and it is a JD Williams account who's negative status is getting worse. Currently its at 6 so I imagine it will default soon.

However, this account does not show up on my actual credit profile anywhere with clearscore, mse cc or credit karma. It literally only shows up on the Clearscore Alerts page every month:

I do have both a Jacamo and a Fashion World account, but they have both been at a 0 balance for some time now, and both show up on my credit profile with different account numbers to that above.

As this account does not show up on my credit profile, I cannot find any easy way to dispute it.

Could anyone please advise on what my first steps should be?

[Deleted User] · 16 July 2019 at 9:03AM

Contact Clearscore.

nic_c · 16 July 2019 at 9:43AM

Have you done a stat report with equifax? It will probably show on there too.

Clearscore have an annoying dispute ticket system, so if it's on equifax too, contact both and dispute with both

JReacher1 · 16 July 2019 at 9:56AM

Not sure if it helps you at all but that is a Jacamo account. The CGN is the reference for Jacamo.

m-holland · 16 July 2019 at 10:05AM

nic_c wrote: »

Have you done a stat report with equifax? It will probably show on there too.

Clearscore have an annoying dispute ticket system, so if it's on equifax too, contact both and dispute with both

So I just requested a new stat report from equifax (i had registered with them previously but didnt think to check) and found the account in question. Turns out its my brothers account but with my birth month and year.

Should my next port of call be Equifax, Jacamo or is this something my brother will need to sort out?

[Deleted User] · 16 July 2019 at 10:06AM

You need to sort it out, as it's on your files.

JReacher1 · 16 July 2019 at 10:11AM

Jacamo won't speak to you about an account in your brothers name.

You want to raise a credit report dispute with Equifax to get it removed

https://www.equifax.com/personal/disputes/

[Deleted User] · 16 July 2019 at 10:52AM

I cannot understand how a credit reference agency could make such a mistake. After all, a person is uniquely identified by name, address and DoB, so there should be no excuse for placing data on the wrong record.

Oh … I forgot! The credit reference agencies use something called 'attributable data', which is a euphemism for 'we can't uniquely identify the correct record, so we'll have a guess at it'.

This sort of thing is appalling data processing practice and should be stamped out. Instances should always be reported to the ICO with an explanation as to what the credit reference agencies are doing.

jimbo26 · 16 July 2019 at 11:40AM

It would be worth checking that they haven't linked your name and your brothers name, creating a financial link.

m-holland · 10 August 2019 at 11:08AM

Just wanted to update this thread that I got a reply from Equifax this morning stating that they had took the information relating to my little brother off my report.

Thanks for the advice everyone.

older_wiser · 10 August 2019 at 2:17PM

another bit of evidence that points to the CRA needing some improvements

i'm glad the OP found this out before the account was defaulted and a CCJ issued that would have caused even more problems in the future.

Unknown JD Williams account on file

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