EXPERIAN... The final battle commences

[tifo]

Originally Posted by Sparkie1723

The ony time they can ask for items as you say is IF they suslect fraud.

As i said, they've been happy to send it before, and talk to me about it on phone and email.

Even if fraud, all they're being asked to do is send the info to the name and address they have on file, which has been verified by the electroral register.

I may provide my bills once, showing my name and address, but then not every time. I'm not sending anything else.

[finlander]

For experian I just wrote my Subject Access Request and got it... no other requests for extra ID... so that may be a new thing to slow you down... being honest I would give them all the ID they require. They know most of it anyway as the DVLA database has been sold as has the electoral role etc ...etc..

Equifax came up with a very dodgy questionaire which was alot more intrusive. Told them to sd off and have written to the Information Commissioners Office and told him this is just a veiled info harvesting scheme. See what they say

[finlander]

I think wj=hen it comes to correction notices then that is the point we are about to enter the lake of treacle and get tied up by the CRA's and the lenders.

Thats why in this statagy I have one tactic... 28 days correction.. fine... aftetr 28 days if info isn't deleted.... court action.. no more requests ..prevarication etc etc...

If they are posting wrong info then it is wrong. No amount of correction notices , letters or blind refusals will make it go away. it's either removed or the claim is on it's way. Avoid the treacle trap by refusing to step into it!!!!

remember the Information Commissioners Office's advice to the CRA's....

Credit reference agencies potentially have a defence against action through the courts by individuals who successfully challenge the accuracy of data received from a lender. However, this defence is only available if the agency takes reasonable steps to make sure the data is accurate and, as soon as they become aware of the challenge, takes steps to mark the file accordingly7. Records where the accuracy is challenged can be marked as ‘under query’. This marker alone is unlikely to be sufficient to provide protection against claims, including those for compensation. Agencies should therefore ask the lender to substantiate the disputed information within a reasonable time frame, for example, 28 days, and, if the lender is unable to substantiate the disputed information in that time, should suppress the information from the file.

If we conclude that there is a genuine, reasonable and unresolved dispute between the borrower and lender, then we are likely to find that personal data have been processed unfairly if a default has been filed. Defaults filed in these circumstances may also be inadequate for the purpose of credit referencing in that they do not provide meaningful information about the creditworthiness of the customer.

Ignore the 'lets write loads of letters auntil hell freezes over' tactic.

[tifo]

here's what i meant :

[TideTurner]

Are these people having a laugh? What planet do they think you're from - Pluto? During the times of identity theft, do they honestly believe that people would forward such information.

In order for them to verify it, they must have it available to them, else they are simply collating data. If the former, where did they get the data from, under what authority, what right have they got to store / provide it? Is it stored securely? Who has access to it?

This is not a Government department, and therefore have no right to provide your information.

Mad

[tifo]

Originally Posted by TideTurner

Are these people having a laugh? What planet do they think you're from - Pluto? During the times of identity theft, do they honestly believe that people would forward such information.

I know, but then i don't get my credit report from them.

There are other ways they can verify me, i.e. by debit/credit card, questions on phone etc.

I may Subject Access Request them, but they will ask for the same ID again. Banks do this, they're happy to talk to you, offer refunds, send statements, even send cheques, yet when you do a Subject Access Request they want proof of ID. Why?

[tifo]

to order a report online, they ask "Please tell us Why you are applying for a copy of your report?"

Do i have to say Why? Does there have to be a reason to see my own report. I was thinking of putting "because i want to sue you after i get my report".

to order by Tel, they charge an extra £1.50. Why, when they already make money from the phone call? "Your statutory report costs £2 and the fee for ordering your credit report by phone is £1.50, total £3.50."

[TideTurner]

Under the Data Protection Act 1984 / 1998, there is no requirement for you to provide proof of your identity, but they must provide your details on request. This is an attempted kop out.

They must provide this information within 40 days or they are committing a criminal offence.

Tide

[tifo]

Originally Posted by TideTurner

They must provide this information within 40 days or they are committing a criminal offence.

That's for a S.A.R - (Subject Access Request) and i posted s.7(3) Data Protection Act 1998 in a previous post which states they can ask for ID to satisfy themselves.

But, they are only being asked to send to the name and address they hold on record.

Online, they require last 3 addresses even if you've been in the current one for over the usual 5 years. That's too much info and not required i think.

[BankFodder]

You can be certain that if you provide them with a new recent address for the delivery, they will update their records with that new address and circulate that information to DCAs etc.

[tifo]

Originally Posted by BankFodder

You can be certain that if you provide them with a new recent address for the delivery, they will update their records with that new address and circulate that information to DCAs etc.

I'm not hiding. I've lived at my current address for 10 years now. All the banks/DCAs have it. It's while living here that the problems started 5 years ago. Before that i was OK, no minus's.

I just don't think they need to know my addresses before this and see my driving license/passport/birth cert. It's too much they're asking. They can easily confirm i've lived there 10 years, been on the electoral register all that time.

[TideTurner]

I am fully aware of this, are you on the electoral role? Any unreasonable request for the provision of requested information as in S7(1)(c)(i) should be reported as a breach by the Data Controller to the Information Commissioners Office.

You should also check with the Information Commissioners Office (a quick telephone call) whether anybody who contacts you are registered with them for the secure starage and processing of personal data. If not, report them.

S7(3) A data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

S7(1)(c) to have communicated to him in an intelligible form—
(i) the information constituting any personal data of which that individual is the data subject, and
(ii) any information available to the data controller as to the source of those data, and

[finlander]

I think we might be getting distracted again and drawn into another and just as bad treacle lake.

If the CRA's are asking you for more proof of ID ask yourself the following questions.
1. could they or do they hold this info anyway?
2. If not could they find it out?
3. Even if none of the two above count what difference will it actually make?


If you come to the conclusion I did, that it doesn't make any real difference, then why are they asking for it? My personal feeling is that it is a new and different treacle trap. Make you waste extra months arguing with them.

If you have no-one to hide from then why not just give them photocopies asap?... THEN COMPLAIN TO THE Information Commissioners Office.... dont let them deprive you of your proof of defamation for another 5 to 6 months while you refuse and argue with the Information Commissioners Office.

The DVLA, electoral role, birth certificates etc are sold to companies anyway (and certainly bought by CRA's). I agree that it is ridiculous to ask for it but as we see it's a very good tactic for delaying things.... don't play that game.

Remember... their tactic is .... 'tie the silly punter up in knots.... get him to have a good arguement about nothing'... thus avoiding the real issue...

Issue is... the lender lied... they published that lie... they remove that lie...
or else.........

[tifo]

but i'm not even argueing with them for anything, i'm only asking for my credit report, stat request, stat fee. They were happy to send it to me the first two times in the year, what's the difference now (or in Oct 2007, i haven't applied since then but will do again). They were happy to talk to me on the phone and send me emails etc. as i had a few entries removed by the DCA.

[finlander]

tifo...

precisely...what is the difference now?.... possibly a suspicion that they may view you as a 'difficult customer' someone who's life should be made a little more complicated... after the DCA removal buisness... It's just my guess but I do think it's a tactic by them. Do you want to be drawn into that plan they have or just bypass it?

I bypassed it with equifax and nothing terrible happened.

[Dipply75]

Hey all, well if we are talking about security vs fraud, let me tell you why the ridiculous carry on they are putting tifo through is bull.

I have just had a blazing row with Experian about their credit expert 'service'. I opened an account with them few weeks ago to start sorting out all the mess - all going fine. My partner goes online the other night to do the same thing - fills in HIS details (obviously), DOB etc. Message appeared saying further checks being done and they will e-mail him a PIN.

OK - PIN arrives in a letter addressed to Me but a MR Me (I am female and always have been). V strange. OH logs in with HIS username, password and this new pin and OMG....up comes MY credit file, listed as Mr Me, with my OH's DOB as a new account!

Phones Experian and am dismissed, told it is not a problem, it was just my OH putting the wrong NAME in the application. I argue that he DIDN'T, and anyway, his DOB different etc - security checks at all? He wouldn't discuss it with me, had to be OH, even though his name is different (?)

Phones again today - 1st monkey - it's not our fault, this wouldn't have happened if the right name had been put in (actual quote). Hello, security checks?

2nd guy (not a monkey, was v nice actually) explained that because the name did not match up with the DOB the security check was sending out the pin no......what???

So, basically - they are saying my OH entered my name in error (DIDN'T) but filled in all his other details ok, to which they sent a pin no, which, using the username and password he created, gave full and instant access to MY credit file. Apparently, because the name and address matched, the system allowed it.

So there is now a credit file for a ficticious person, with my credit file on it, and all you need to create that is..to know my name, my address and be able to access my mail. Thats IT.

Oh, and they do not save the applications to prove/disprove mistakes....or even attempted fraud then?

So, another person exists in tinterweb world with their own credit file - can you create a new ID from that, seriously??

I am so concerned about this....and just RAGING mad