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Wholly inaccurate errors on my credit report
LexiG
Posts: 1 Newbie
Hi everyone,
I wonder if anyone has had experience in removing wholly inaccurate data from their credit report? I have checked my report with Transunion this week and, somehow, another person's details have ended up merged with mine. This person's bank accounts, mortgage, and unsecured loan are all now logged under my report. Plus details of three further persons this person must have had joint accounts with.
I have nothing to do with this person. I contacted Transunion the same day to log all of the errors. Has this happened to anyone else and, if so, how long did it take to resolve? I am hoping that because the details look so obviously not me (one of the accounts was opened when I was 6 years old), that Transunion will quickly realise its an error.
I have checked my Equifax report, the details are not on there. I have requested my Experian report but need to wait to until that comes through.
Any advice much appreciated!
I wonder if anyone has had experience in removing wholly inaccurate data from their credit report? I have checked my report with Transunion this week and, somehow, another person's details have ended up merged with mine. This person's bank accounts, mortgage, and unsecured loan are all now logged under my report. Plus details of three further persons this person must have had joint accounts with.
I have nothing to do with this person. I contacted Transunion the same day to log all of the errors. Has this happened to anyone else and, if so, how long did it take to resolve? I am hoping that because the details look so obviously not me (one of the accounts was opened when I was 6 years old), that Transunion will quickly realise its an error.
I have checked my Equifax report, the details are not on there. I have requested my Experian report but need to wait to until that comes through.
Any advice much appreciated!
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Comments
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Report this to the ICO and don't let the agency fob you off with just an apology. It is a significant breach of data protection principles. Compensation here should be a minimum of £150, maybe up to £300.0
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I think the OP will need to give TransUnion an opportunity to rectify the situation first. If the situation is not resolved then an official written complaint can be made. Only if the complaint has no satisfactory resolution can the matter be escalated to the ICO. It is probably an error caused by someone else having an identical name or something...johnsmith1890 wrote: »Report this to the ICO and don't let the agency fob you off with just an apology. It is a significant breach of data protection principles. Compensation here should be a minimum of £150, maybe up to £300.
Welcome to the forum LexiG
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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Willing2Learn wrote: »I think the OP will need to give TransUnion an opportunity to rectify the situation first. If the situation is not resolved then an official written complaint can be made. Only if the complaint has no satisfactory resolution can the matter be escalated to the ICO. It is probably an error caused by someone else having an identical name or something...
Welcome to the forum LexiG
Of course they should rectify it as soon as they possibly can, but data breaches such as this are a serious matter and should be reported regardless. It's not so much a complaint to the ICO, but a report of malpractice. These breaches are indefensible and caused by poor data processing/programming and slapdash manual procedures.0 -
Why would compensation be due?
No financial hardship or loss has occurred.0 -
Why would compensation be due?
No financial hardship or loss has occurred.
Distress caused. It's now pretty much standard for a whole range of companies to offer compensation when this happens. This solicitors webpage explains some of the issues:
https://www.hayesconnor.co.uk/data-protection-compensation/0 -
There is something slightly wrong with the world when an understandable error occurs, yet someone claims compensation for it. I don't feel that TransUnion have done anything wrong. All they are doing is showing what is on file, data that was given to them by a third party...I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
I do hope that the OP will not demean themselves by going down this route.johnsmith1890 wrote: »Distress caused. It's now pretty much standard for a whole range of companies to offer compensation when this happens. This solicitors webpage explains some of the issues:
It’d take some real lack of pride to claim to be distressed over this.
Thank God this generation have never had to face actual distress.0 -
johnsmith1890 wrote: »Distress caused. It's now pretty much standard for a whole range of companies to offer compensation when this happens. This solicitors webpage explains some of the issues:
https://www.hayesconnor.co.uk/data-protection-compensation/
But there is no distress.
!!!!!! is with this sudden compo generation!?
If anything the other party should get something for their data being leaked.0 -
Kentish_Dave wrote: »I do hope that the OP will not demean themselves by going down this route.
It’d take some real lack of pride to claim to be distressed over this.
Thank God this generation have never had to face actual distress.
Would you not be distressed - or at the very least, concerned - if your name, address, previous addresses, names of financial associates, DoB, and all the financial details of your borrowing, including the names of the providers, and more, was sent to a random person? The word 'distress' is probably used here as a legal term, but there's no getting away from the fact that these data breaches could be very worrying to those affected. And there's absolutely no need for them to happen.0 -
But there is no distress.
!!!!!! is with this sudden compo generation!?
If anything the other party should get something for their data being leaked.
Yes, the OP should inform the other party about this. It's the other party who has most to lose here. It would be interesting to know if the other party has reciprocal access to the OP's personal data.0
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