incorrect credit file

[knapper78]

Hi,

I've just received my equifax credit report, in it there is an account with orange for a mobile phone that i got through dial a phone, i was put on the wrong tariff and received a high bill when i investigated it i cancelled the contract due to being mis sold to which orange agreed to do, this was back in 2001, orange put an arrangement to pay on my file and then they have said that it was settled in 2005, i have never had any contact or made any payments since 2001?? where do i stand in trying to get this removed and how do i go about it??

[MilkTrayMan]

U will need to contact Orange.
Equifax won't remove it without Orange's say so.


...

[knapper78]

i haven't got an account number or the mobile phone number will that be a problem?? which department would i contact??

[powerful_rogue]

I would Subject Access Request them first of all. I find it best to have all the documents in front of me.
Send the the Subject Access Request (int he template section) and include dates and addresses they would have registered. They will be able to track your account this way.

[knapper78]

Thanks I'll get on it now

[knapper78]

I've looked around for a s.a.r template but i can only find a bank charges template, is there one for what i'm looking for or could someone help me write one, thanks

[MilkTrayMan]

Start with the basic 'Bank Charges' letter format.
Delete ALL references to 'Bank Charges'.
Insert instead, mention of details that would identify your Orange mobile account + request THOSE details...


...

[powerful_rogue]

This is what I used

Orange Account
s.7 DATA PROTECTION ACT 1998 – DATA SUBJECT ACCESS REQUEST

I request that Orange provides me with all details held regarding my accounts, including, but not exclusively as I require access to all information relating to me as a Data Subject under the Data Protection Act;

§ Details of all default charges for unpaid items and fees charged for managing the above account, which I have paid in the last six years
§ Copies of all original service agreements for each account held in my name
§ Details of all assignments, whether equitable, absolute, legal or otherwise, of the account and documentary evidence of such assignment
§ Details of all manual intervention that has taken place on accounts held in my name, with documentary evidence of such.
§ Details of logic involved in any automated decisions you made about me, or my accounts with you.
§ Details of all notes held on my account, including telephone calls and all letters sent to me.


Please note that this is not an exclusive list, as I require access to all information held by Orange regarding me, as a Data Subject under the Data Protection Act.

I understand that Orangeis obliged to provide this information under the Data Protection Act 1998. I have enclosed a cheque for £10 to cover the statutory fee that can be charged for this service.

I do not have the account numbers of my previous contracts, however I have obtained the following details from my Experian credit report.

Name and address:
Date of Birth:
Company Name – Orange
Started –
Settled On –

I look forward to hearing from you within 40 days from the date of this letter and before 28th January 2008, in any event.

Yours faithfully

[knapper78]

Thanks thats great!! I'll send it today