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    • selinek
    • By selinek 8th Jun 19, 5:28 AM
    • 64Posts
    • 40Thanks
    selinek
    Unauthorised Search
    • #1
    • 8th Jun 19, 5:28 AM
    Unauthorised Search 8th Jun 19 at 5:28 AM
    Hi. I would appreciate some advice on where to check this out. I have noticed an anti money laundering search on my credit karma account , formally Noddle. I have not applied for any credit. I understand this search is usually done when I have applied for a loan in the past. I am concerned especially as I have excellent credit. Search was made 5/06/19 so if suspicious may have caught early.

    The search was made by
    Tsb Bank 2 (Ml, Cval)
    Tsb Bank 2 (Cval Ml

    Your help would ease my slightly worried mind
Page 2
    • selinek
    • By selinek 13th Jun 19, 4:08 PM
    • 64 Posts
    • 40 Thanks
    selinek
    MovingForwards and selinek - have you both checked the other 2 CRAs - did the search show up on those too?

    Experian: www.moneysavingexpert.com/creditclub
    Equifax: www.clearscore.com
    Originally posted by Candyapple
    the same as MovingForward .
    • MovingForwards
    • By MovingForwards 15th Jun 19, 12:03 PM
    • 2,318 Posts
    • 2,749 Thanks
    MovingForwards
    Response to complaint received, this is an excerpt:

    After reviewing your complaint I'm unable to agree we've made a mistake. (Not putting any more up as not relevant)

    We are aware a small number of customers are querying these types of searches on their credit files which they weren't expecting. I would like to advise these types of searches are normal, as we share information the customers have previously provided to us with credit and fraud prevention agencies.

    This ensures the information we hold relating to our customers' identity is up-to-date and in line with General Data Protection Regulations (GDPR). And is part of our commitment to fighting fraud and other forms of financial crime.

    For your reassurance, I would also like to inform you your credit file won't be impacted.

    It then goes on to say it's their final response.

    ------

    Quite frankly I still think they are in the wrong as I'm not a customer and haven't been for several years!
    • boo_star
    • By boo_star 15th Jun 19, 12:19 PM
    • 2,610 Posts
    • 1,939 Thanks
    boo_star
    Response to complaint received, this is an excerpt:

    After reviewing your complaint I'm unable to agree we've made a mistake. (Not putting any more up as not relevant)

    We are aware a small number of customers are querying these types of searches on their credit files which they weren't expecting. I would like to advise these types of searches are normal, as we share information the customers have previously provided to us with credit and fraud prevention agencies.

    This ensures the information we hold relating to our customers' identity is up-to-date and in line with General Data Protection Regulations (GDPR). And is part of our commitment to fighting fraud and other forms of financial crime.

    For your reassurance, I would also like to inform you your credit file won't be impacted.

    It then goes on to say it's their final response.

    ------

    Quite frankly I still think they are in the wrong as I'm not a customer and haven't been for several years!
    Originally posted by MovingForwards
    It's an interesting response but I can't help but think that they're being unnecessarily cautious RE: data protection laws.

    I've certainly never heard of anyone getting in trouble for (as an example) holding an out of date address for an ex-customer if the address they hold on file is the last one the customer gave them.

    Nor can I see how doing searches on old customers "helps them fight fraud and other forms of financial crime."

    I suppose you could take it to the FOS and see what they have to say.
    • MovingForwards
    • By MovingForwards 15th Jun 19, 12:42 PM
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    MovingForwards
    I am taking it to the FOS as I cannot see why a company I no longer have any dealings with need to do a search, regardless of whether it impacts my history or not. I just hope all my previous banks / building societies are going to start doing it as that's a hell of a lot I've had over the years.

    I did start writing another complaint in response but after preparing one line I thought screw it, they said it's their final response so FOS it is!
    • selinek
    • By selinek 15th Jun 19, 1:27 PM
    • 64 Posts
    • 40 Thanks
    selinek
    I am taking it to the FOS as I cannot see why a company I no longer have any dealings with need to do a search, regardless of whether it impacts my history or not. I just hope all my previous banks / building societies are going to start doing it as that's a hell of a lot I've had over the years.

    I did start writing another complaint in response but after preparing one line I thought screw it, they said it's their final response so FOS it is!
    Originally posted by MovingForwards

    I haven't followed up my query yet, but on one hand its is useful to know that there doesn't seem to be ay erroneous applications. I have no problem companies making searches , but ML is something specific and usually made when applying to a financial product. Good for you in contacting IOS as their response isn't very clear. Good luck
    • MovingForwards
    • By MovingForwards 15th Jun 19, 3:26 PM
    • 2,318 Posts
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    MovingForwards
    I haven't followed up my query yet, but on one hand its is useful to know that there doesn't seem to be ay erroneous applications. I have no problem companies making searches , but ML is something specific and usually made when applying to a financial product. Good for you in contacting IOS as their response isn't very clear. Good luck
    Originally posted by selinek
    If I still had products with them I wouldn't bat an eyelid and their response would be acceptable, but when I don't and haven't for at least five years, then I don't see why they needed to do it. They don't need any information about me as a 'customer' as I'm not. It's for that reason I am taking it further.

    Oddly enough no other former financial company has done it, yet, neither have any of my current companies.

    I will come back and update again when I hear from the FOS
    • Gary_Dexter
    • By Gary_Dexter 15th Jun 19, 3:35 PM
    • 6,557 Posts
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    Gary_Dexter
    I’m pretty sure your credit files are a public record therefore could be accessed any time by an organisation even without consent?
    • MovingForwards
    • By MovingForwards 15th Jun 19, 4:02 PM
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    MovingForwards
    Iím pretty sure your credit files are a public record therefore could be accessed any time by an organisation even without consent?
    Originally posted by Gary_Dexter
    Technically correct if they have a legitimate interest, but in my case as a former customer I wouldn't think that applies:

    https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/lawful-basis-for-processing/legitimate-interests/
    • johnsmith1890
    • By johnsmith1890 15th Jun 19, 9:53 PM
    • 558 Posts
    • 456 Thanks
    johnsmith1890
    MovingForward - another thing you might want to consider is serving a SAR on the bank. It might throw up something interesting.
    • MovingForwards
    • By MovingForwards 15th Jun 19, 11:57 PM
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    MovingForwards
    MovingForward - another thing you might want to consider is serving a SAR on the bank. It might throw up something interesting.
    Originally posted by johnsmith1890
    I'm contemplating that.

    I've decided the ICO are going to get a letter from me too!
    • Gary_Dexter
    • By Gary_Dexter 16th Jun 19, 8:11 AM
    • 6,557 Posts
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    Gary_Dexter
    This all seems a bit much for the sake of one ML search.

    Just let it go and get on with more important things in life rather than obsessing over your credit files
    • older_wiser
    • By older_wiser 16th Jun 19, 9:11 AM
    • 2,255 Posts
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    older_wiser
    This all seems a bit much for the sake of one ML search.

    Just let it go and get on with more important things in life rather than obsessing over your credit files
    Originally posted by Gary_Dexter
    i disagree i think the OP should be cheered on for doing this

    keep us updated please moving forwards
    • Russvxr
    • By Russvxr 17th Jun 19, 7:27 AM
    • 2 Posts
    • 3 Thanks
    Russvxr
    Iím glad Iíve found this thread because Iíve had the exact same search from the Tsb and Iíve never have any financial product from them to hold me on their records.
    Could it be anything to do with the switch to credit karma seeing as my Experian and Equifax reports donít have this search on my record.
    • selinek
    • By selinek 28th Jun 19, 2:48 PM
    • 64 Posts
    • 40 Thanks
    selinek
    I have heard from TSB. There are no fraudulent applications been made , which was my main concern. There was a load of gobbledy gook as to the reasons why they would have don't a ML search. I was give the option to complain but wasn't a need. I have found out that I have a few saving accounts with TSB!! Only a couple of pence in them ....wont be retiring any time soon :-)
    Last edited by selinek; 28-06-2019 at 3:02 PM.
    • MovingForwards
    • By MovingForwards 28th Jun 19, 3:33 PM
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    MovingForwards
    I have heard from TSB. There are no fraudulent applications been made , which was my main concern. There was a load of gobbledy gook as to the reasons why they would have don't a ML search. I was give the option to complain but wasn't a need. I have found out that I have a few saving accounts with TSB!! Only a couple of pence in them ....wont be retiring any time soon :-)
    Originally posted by selinek
    Well yours makes sense!

    Glad you got to the bottom of yours
    • selinek
    • By selinek 28th Jun 19, 6:36 PM
    • 64 Posts
    • 40 Thanks
    selinek
    Well yours makes sense!

    Glad you got to the bottom of yours
    Originally posted by MovingForwards
    Certainly a weight off. Good luck with yours
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