Hello - thanks for all the help with this, drafting the letter etc, back in February. Sorry I didn't get back to the thread any sooner, it slipped my mind as I've been very busy with other things. I finally received a reply from them towards the end of April. Hmm. This part really annoyed me: Well of course it isn't my account as like I said I haven't taken out credit... feels they are still pinning it to me :/ This part annoyed me more: Doesn't really feel like a genuine apology. Especially their use of "partially" - makes me wonder which part of the complaint are they abiding by and which part are they dismissing... Not happy with their response despite assurance they will not attempt to contact me about it again.

Sorry I didn't get to see this earlier, I had to go out and didn't get back until late. Looks amazing thanks - I really don't think I would have had the confidence to come up with anything like that by myself. Will be posting to them first thing tomorrow morning. Just one thing: Any info on that? A quick google didn't bring up anything that seemed particularly relevant. Cheers

sorry I edited my post above, could you check please...many thanks

Could you just clarify one thing for me please: The template letter reads: Now - I don't know the name of the person/company they claim I owe a debt to, as they didn't give me this information, only the following: and I understand HPH LTD is Robinson Way..? Is there a standard paragraph I could add to this letter to enquire exactly who I am supposed to owe money to? Apologies if I've misunderstood or repeated myself slightly, but it feels like it maybe isn't exactly the right letter to send - I just want to be sure. Anyhow It will be interesting to see how they reply eventually.

Hello again Equifax finally gave me my credit report. Looking at it, there is nothing suspicious on there which of course I am thankful for. There appears to be no fraudulent activity, which of course was my main concern. The only things listed on there are my bank accounts, which are all in green. I see two 'Trace Enquiries' by this Robinson Way company. So, this is all rather strange. What now? @BRIGADIER2JCS Any joy with this? Or were you going to link me to the 'prove it' letter that @ims21 mentioned or perhaps you had something similar in mind. As I explained in my post above I have nothing on my credit report that could give any indication as to why Robinson Way are contacting me. Thanks in advance

Waiting to hear back from Equifax, having contacted them and provided some proof of ID Long. Will update the thread as and when. Thanks for all the help so far.

Yes this was explained to me above, I get that now, but it didn't help as neither Noddle or Equifax have accepted my details anyway. :/

Nightmare. Cheers trying again. Getting really annoyed with this now. using Equifax Ok may I summarise everything so far as the thread has gone to a new page, and perhaps this thread may help somebody in the future going through a similar situation. Equifax gave me my credit report. There is nothing suspicious, and no fraudulent activity, which of course was my main concern. The only things listed on there are my bank accounts, which are all in green. I see two 'Trace Enquiries' by this Robinson Way company, but nothing on my credit report that gives any indication as to why they are contacting me. Could you just clarify one thing for me please: The template letter reads: Now - I don't know the name of the person/company they claim I owe a debt to, as they didn't give me this information, only the following: and I understand HPH LTD IS Robinson Way..? Is there a standard paragraph I could add to this letter to enquire exactly who I am supposed to owe money to? Apologies if I've misunderstood or repeated myself slightly, but it feels like it maybe isn't exactly the right letter to send - I just want to be sure. Thanks for your patience. If it's no trouble, it will be appreciated, and I will send it out as quick as I can print it.

visa debit

Argh!

ok thanks - was taken aback a little

I'm on Noddle. It was quite invasive asking for previous addresses. Now it's asking for card details?

Ok, looking into the credit reference thing now.

odd - never had such things... is it possible somebody could have opened a fraudulent account in my name?

:thumbup: