Get ready to sue your Credit Rererence Agency in General Posted December 30, 2009 A Credit Reference Agency merely holds data supplied to it by lenders, they do not own the data. They cannot change any data on the request of the data subject, it has to be agreed by the lender. While the dispute is on going the bank's version of the record is accurate. The ICO accepts this and WILL NOT DO ANYTHING to the CRA. Annoying thought this is if you are victim of a mistake, try and imagine what would happen if everyone could tell the CRA data is inaccurate and force a change(my score should be 999 and nothing less). Pending resolution, you can put a notice of dispute (NOD) on your credit file which is your chance to make your case and HAS to be viewed by any lender checking your file.