Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • thecustomjunkie
    • By thecustomjunkie 9th Jul 18, 9:00 AM
    • 2Posts
    • 4Thanks
    thecustomjunkie
    Fraudulent Lending Stream account affecting credit score
    • #1
    • 9th Jul 18, 9:00 AM
    Fraudulent Lending Stream account affecting credit score 9th Jul 18 at 9:00 AM
    There's a Lending Stream account that definitely isn't mine showing up on my Noddle credit report. It's adversely affecting my credit score. After contacting LS about it, they agreed it was fraudulent, but won't disassociate it from me without a crime reference number. They told me to report it to Action Fraud, who would give me a CRN. However Action Fraud haven't even acknowledged my report, which was made months ago. I am completely stuck between Action Fraud and Lending Stream over an account that isn't mine, and I don't know what to do. Weirdly, the fraudulent LS account does not show up on my Experian credit report, which shows my credit rating as very good. I'm baffled! Has anyone been in a similar situation, or does anyone have any advice on who else I could contact to get the LS account taken off my report, please?

    Thanks so much!
Page 1
    • DCFC79
    • By DCFC79 9th Jul 18, 9:21 AM
    • 32,131 Posts
    • 20,213 Thanks
    DCFC79
    • #2
    • 9th Jul 18, 9:21 AM
    • #2
    • 9th Jul 18, 9:21 AM
    There's a Lending Stream account that definitely isn't mine showing up on my Noddle credit report. It's adversely affecting my credit score. After contacting LS about it, they agreed it was fraudulent, but won't disassociate it from me without a crime reference number. They told me to report it to Action Fraud, who would give me a CRN. However Action Fraud haven't even acknowledged my report, which was made months ago. I am completely stuck between Action Fraud and Lending Stream over an account that isn't mine, and I don't know what to do. Weirdly, the fraudulent LS account does not show up on my Experian credit report, which shows my credit rating as very good. I'm baffled! Has anyone been in a similar situation, or does anyone have any advice on who else I could contact to get the LS account taken off my report, please?

    Thanks so much!
    Originally posted by thecustomjunkie
    Have you contacted AF using another way ?
    Maybe give this a try, get the crn and pass it onto LS.

    Dont worry about your score/rating since no 1 else can see it, lenders see your credit history.
    Last edited by DCFC79; 09-07-2018 at 9:24 AM.
    • zx81
    • By zx81 9th Jul 18, 9:22 AM
    • 17,791 Posts
    • 18,918 Thanks
    zx81
    • #3
    • 9th Jul 18, 9:22 AM
    • #3
    • 9th Jul 18, 9:22 AM
    does anyone have any advice on who else I could contact to get the LS account taken off my report, please?
    Originally posted by thecustomjunkie
    Make a formal complaint and then escalate to FOS if needed. Also raise a dispute with the CRAs where it appears.

    Weirdly, the fraudulent LS account does not show up on my Experian credit report, which shows my credit rating as very good.
    Originally posted by thecustomjunkie
    That's not weird. That means they don't report to Experian.

    It's adversely affecting my credit score.

    Thanks so much!
    Originally posted by thecustomjunkie
    You don't have a credit score, so ignore that. Just worry about getting the account off your files.

    Remember to also check Equifax.
  • National Debtline
    • #4
    • 9th Jul 18, 3:27 PM
    • #4
    • 9th Jul 18, 3:27 PM
    Hi there


    I would also recommend contacting Action fraud again, you can call them on 0300 123 2040. Once you have the crime reference number it should be straight forward enough to give this to Lending Stream and get the account removed from your credit file. I hope you can get it sorted quickly.


    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,286Posts Today

6,271Users online

Martin's Twitter