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  • FIRST POST
    • NutkinsTale
    • By NutkinsTale 20th Dec 17, 5:52 PM
    • 8Posts
    • 3Thanks
    NutkinsTale
    Equifax, breach and passports
    • #1
    • 20th Dec 17, 5:52 PM
    Equifax, breach and passports 20th Dec 17 at 5:52 PM
    My wife and I have been trying to check our credit reports. Experian and Noddle OK. Also her Equifax. But I've got stuck with my own Equifax report.

    18 months ago I found an unrecognised linked address on my Experian (not Equifax) report. There was no financial loss - just an attempt to take out a phone contract in my name. But on advice I applied for CIFAS protective registration, and password protected my report. Since then I've successfully applied for bank accounts and credit cards, so no probs there.

    Then today I applied for my Equifax report. It stopped at a screen saying they had been unable to confirm my identity and that I should ring a certain number. The lady I spoke to confirmed it was because of my protective registration, and proceeded to ask me to send in a copy of my passport or photo driving licence. I politely pointed out that in view of their 143million data breaches in the US it was a bit soon for me to feel comfortable with that, and offered instead to prove my identity using the password CIFAS had specifically set up for that purpose. Just like the banks I had recently applied to had done. She refused - company policy etc etc.

    So having been the victim of ID fraud (in a small way) I am expected to entrust big-breach-Equifax with a photocopy of my passport, whilst they refuse to use the proper process set up for me by CIFAS.

    Of course, my fallback position is to refuse to send them a copy of my passport and walk away. But I have a legal entitlement to see my report.

    Any thoughts?
    Last edited by NutkinsTale; 20-12-2017 at 6:04 PM. Reason: Clarification
Page 1
    • Shakin Steve
    • By Shakin Steve 20th Dec 17, 6:02 PM
    • 1,455 Posts
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    Shakin Steve
    • #2
    • 20th Dec 17, 6:02 PM
    • #2
    • 20th Dec 17, 6:02 PM
    They will say that they have a legal duty to protect your report, and are not satisfied with the information you have given them.
    I must admit, though, things are getting a bit messy around data breaches and the vast amount of info these companies require to protect themselves due to legislation.
    I came into this world with nothing and I've got most of it left.
    • tenchy
    • By tenchy 20th Dec 17, 8:31 PM
    • 360 Posts
    • 113 Thanks
    tenchy
    • #3
    • 20th Dec 17, 8:31 PM
    • #3
    • 20th Dec 17, 8:31 PM
    Why do they need "photo ID"? This is only of use if the person presenting the document is also present, to be compared with the photo. Sounds to me like a case of "computer says no". Equifax would be the last organisation on Earth I'd entrust with a copy of my passport!
    • chanz4
    • By chanz4 21st Dec 17, 4:04 PM
    • 9,923 Posts
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    chanz4
    • #4
    • 21st Dec 17, 4:04 PM
    • #4
    • 21st Dec 17, 4:04 PM
    Equifax breached my data not long ago
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
    • pollypenny
    • By pollypenny 21st Dec 17, 5:26 PM
    • 24,041 Posts
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    pollypenny
    • #5
    • 21st Dec 17, 5:26 PM
    • #5
    • 21st Dec 17, 5:26 PM
    I!!!8217;m one their victims as well. And I had the same palaver as you, OP.

    There is no way I am sending those idiots anymore personal information for them to lose.
    Member #14 of SKI-ers club

    Words, words, they're all we have to go by!.

    (Pity they are mangled by this autocorrect!)
    • RG2015
    • By RG2015 21st Dec 17, 6:19 PM
    • 1,263 Posts
    • 740 Thanks
    RG2015
    • #6
    • 21st Dec 17, 6:19 PM
    • #6
    • 21st Dec 17, 6:19 PM
    They will say that they have a legal duty to protect your report, and are not satisfied with the information you have given them.
    I must admit, though, things are getting a bit messy around data breaches and the vast amount of info these companies require to protect themselves due to legislation.
    Originally posted by Shakin Steve
    Yes, messy, and Equifax are right in the thick of it.

    I registered for the free month trial with Experian, Equifax and Checkmyfile in 2014. I had no problem verifying my ID with Experian and Checkmyfile but Equifax needed me to submit PDFs of my driving licence and a utility bill or bank statement.

    When I got the infamous letter from Equifax I was able to obtain the free Equifax Protect product without submitting any further information. This gives me free access to my credit report which can be updated every day if I want.

    Yes, I have significant concerns with Equifax but if they already have all of this information on me I'm definitely going to accept them giving me free access.
    Last edited by RG2015; 21-12-2017 at 6:33 PM.
    • NutkinsTale
    • By NutkinsTale 21st Dec 17, 9:55 PM
    • 8 Posts
    • 3 Thanks
    NutkinsTale
    • #7
    • 21st Dec 17, 9:55 PM
    • #7
    • 21st Dec 17, 9:55 PM
    Thanks for replies so far.

    Tenchy - that's exactly how I feel, but I would still like to see my report and believe I should be allowed to, since it was me who asked to have a password put on it in the first place.

    Since posting I have spoken to both CIFAS and Action Fraud, and got a very sympathetic hearing. Action Fraud recommended I put in a formal complaint to Equifax, which I have done. But I haven't heard back yet, and suspect they might not be listening anyway. But that hasn't stopped them from pestering me with 3 followup emails asking me to complete my application - from a DO NOT REPLY email address of course, so that I can't engage them in meaningful dialogue.

    I do feel that the fact that a company who have just lost 143million customers' data is asking people to send in photo copies of their passport or driving licence is of such widespread concern that it may be something that Martin Lewis himself might like to take up. Does anyone know how to escalate this thread for his attention?
    • pollypenny
    • By pollypenny 22nd Dec 17, 8:34 AM
    • 24,041 Posts
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    pollypenny
    • #8
    • 22nd Dec 17, 8:34 AM
    • #8
    • 22nd Dec 17, 8:34 AM
    I made a formal complaint to Equifax. I had a banal apology in reply.
    Member #14 of SKI-ers club

    Words, words, they're all we have to go by!.

    (Pity they are mangled by this autocorrect!)
    • tykesi
    • By tykesi 22nd Dec 17, 8:45 AM
    • 1,944 Posts
    • 2,724 Thanks
    tykesi
    • #9
    • 22nd Dec 17, 8:45 AM
    • #9
    • 22nd Dec 17, 8:45 AM
    hasn't stopped them from pestering me with 3 followup emails asking me to complete my application - from a DO NOT REPLY email address of course, so that I can't engage them in meaningful dialogue.
    Originally posted by NutkinsTale
    It will be an automated email set to generate when someone has started an application but not completed, stop being so precious about it, it's not personal.

    may be something that Martin Lewis himself might like to take up. Does anyone know how to escalate this thread for his attention?
    Originally posted by NutkinsTale
    He has nothing to do with these forums, if you want his attention try tweeting him but I seem to remember he's finished on Twitter for Christmas so it may take a while if he responds at all.
    • NutkinsTale
    • By NutkinsTale 22nd Dec 17, 11:14 AM
    • 8 Posts
    • 3 Thanks
    NutkinsTale
    Thanks for the heads-up on Mr Lewis, tykesi. He's probably got plenty other issues on his hitlist anyway.

    Re the emails, of course I realise they're automated. But if they really wanted some proper feedback they would include an email address you could send it to. Suggesting you phone if you have probs is no help because these folks are just working off scripts anyway. Like tenchy said - "Computer says no"
    • sargeantsalt
    • By sargeantsalt 10th Jan 18, 9:33 PM
    • 62 Posts
    • 16 Thanks
    sargeantsalt
    Why do they need "photo ID"? This is only of use if the person presenting the document is also present, to be compared with the photo. Sounds to me like a case of "computer says no". Equifax would be the last organisation on Earth I'd entrust with a copy of my passport!
    Originally posted by tenchy
    I think the passport office give them your detail anyway as they have a contract with HM passport office for processing all new passport?
    Last edited by sargeantsalt; 10-01-2018 at 9:39 PM.
    • boo_star
    • By boo_star 10th Jan 18, 9:38 PM
    • 1,508 Posts
    • 851 Thanks
    boo_star
    I think they get all your detail from the passport office anyway as they have a contract with HM passport office for processing all new passport?
    Originally posted by sargeantsalt
    Citation?

    CRAís may be used by the Passport Office for identity verification but as far as Iím aware they donít have anything to do with the actual processing.
    • NutkinsTale
    • By NutkinsTale 23rd Jan 18, 3:19 PM
    • 8 Posts
    • 3 Thanks
    NutkinsTale
    I don't know if folks are still reading this, but I've not managed to get anywhere witth this since my original post.

    And guess what? This evening I had my rather confused 90 year old Dad on the phone telling me had had a letter from some company or other (turns out to be Equifax) telling him there had been a data breach and his name, address and DOB had been taken. He's a bit worried, but not too concerned because he doesn't want to take out any more credit cards ........ Aaarrghhh!!!!!

    So now the crooks know where to find one gullible 90 year old, thanks to Equifax. And they still insist they won't give me a copy of my credit report unless I send them a photocopy of my passport, even though Experian and Noddle know of a different way of checking ID.
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