Someone else signed up to ClearScore using my credentials

HappyGuy wrote: »

gunsandbanjos, what is each category called and what are they for? If I am on Category 0, am I on the right one for me? Many thanks for your help.

CIFAS Categories Explained
0 Protective Registration -- Recorded at the request of the person named.
1 False Identity Fraud -- Use of a false name with an address.
2 Victim of Impersonation -- Use, by another person, of this name and/or address.
3 Application Fraud (Facility Granted) -- Use of name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information -; the facility was granted.
4 Application Fraud (Facility Refused) -- Use of a name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information -; the facility was refused.
5 Conversion -- Conversion (disposal or sale) of goods (to which the hirer/buyer does not have title) under a hire purchase, conditional sale, contract hire, leasing or rental agreement.
6 First Party Fraud -- Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility.
7 Aiding & Abetting -- Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, or other facilities, or hire products or services.
8 Insurance Claims Fraud -- The making of a claim(s) under one or more insurance policy (ies) with one or more material falsehoods or by presenting a false or forged document.

I have also had someone sign up to Clearscore using my details.

Clearscore were very quick to block the account when informed but I am concerned about how it was set up in the first place.

Clearscore said they didn't know which security questions were asked and so couldn't confirm which of my details the fraudster had. They suggested the security questions would include things like when a particular bank account was opened etc. I refuse to believe there's anyone out there who knows those answers other than myself and credit agencies.

I echo the comments about taking a nominal payment / sending a verification letter to home address etc.

Fraudster went on to purchase mobile phones, computers etc using my details.

The really annoying thing was checking my credit file and spotting countless mistakes in the credit searches carried out. For example wrong names, incorrect spellings, wrong date of births. And yet they walked out of all these shops with goods in my name. What's the point of credit agencies if even basic errors aren't flagged as suspicious?

Anyway, a bit off topic. Rant over!

Thrugelmir wrote: »

Crime is in the majority of cases committed by a party known to the victim.

I accept your general point and I'm certainly bearing it in mind. It all depends on what questions Clearscore ask and how they are presented/scored.

For example if they only ask address, DOB, mothers maiden name etc then yes, it could be anyone.

If they present multiple choice as has been suggested and give some leniency as to the accuracy of the answers, then yes it could be anyone.

But I've checked my credit file and even I wouldn't be able to answer questions on the majority of it without looking back through records. As long as Clearscore have presented the questions properly there's no way someone should have been able to gain access.

It is rather worrying to think people are now able to impersonate other people quite so easily.

Kind of makes you think, everyone needs to be constantly vigilant of ID Theft.

This happened to me too. Clearscore were slow to respond, they blocked the other account but were not helpful otherwise. They completely played down the fact they had released sensitive financial information to a stranger and wouldn't explain or take any responsibility. Surely there is more we can do about this.

I still have never had access to my clearscore account. I'm going to try to raise a complaint, they should never have released details to someone else. I don't hold much hope though.

If I hadn't tried to sign up I would never have known someone was getting my info.. Really is unacceptable glad to know i I'm not the only one but it is really bad...