wrong data on experian, how can I get it removed

[eileen58]

Hi everyone, hope that someone can help. I originally applied for credit for £500, when I was refused I thought that it was just my bad luck with the credit crunch and all.

 

I went for a mortgage and was also refused so I applied for my credit report and instead of £500 that I had previously asked for the finance company had applied for £45,000. I have asked the finance company to remove the amount from my credit file but up until now they haven't done this.

I am at present sending them another letter this time by recorded delivery and giving them 7 days to comply with my request, if this doesn't work can anyone else advise me what to do.

I am also sending experian all the paperwork from the finance company to let them see that I only requested £500 not £45,000, and see what they're reply is.

Is there anything in the DPA that I can use to get this amount of my credit report, and can I threaten the finance company with court proceedings because of their negligence I am finding it difficult to get a mortgage.

Hope someone can help.

[jowalshy]

Incorrect information

There are three steps you can take if you have incorrect information on your file:

 

1. Write to the agency asking them either to remove or change any entry which you think is wrong. Explain why you think the information is wrong and send any evidence you have which proves the information is incorrect. The agency has to tell you within 28 days of receiving your letter if the information has been corrected, removed or if they have done nothing. If the information has been corrected, you will get a copy of the new entry.

 

2. If the agency does not reply, or tells you they have done nothing or makes a correction which you do not think is satisfactory, you can, within 28 days, send them a ‘notice of correction’ to be added to your file. A notice of correction is a statement of up to 200 words written by you. It should explain clearly why you think the information is wrong or misleading.

 

3. If the agency does not reply to your letter enclosing your notice of correction within 28 days of receiving it, or the agency has refused to add it to your file, you can appeal to the commissioner.

 

When you write to the commissioner include the following details:

• Say you are writing under section 159(5) of the Consumer Credit Act 1974
  
• Give your full first names and surname and address
  
• Give the name and address of the agency
  
• Give details of the disputed entry in the file. Say why you think it is wrong, and why you think you are likely to suffer because it is wrong. It will help if you enclose any evidence you have which shows that the information is incorrect
  
• Give the dates you sent the notice of correction to the agency; if you cannot remember, give an approximate date
  
• It will help if you enclose any correspondence between you and the agency, as well as a copy of your notice of correction.

The commissioner may ask the agency for their side of the story, as well as sending them a copy of your letter. In return you will be sent the agency’s reply.

 

When the commissioner has considered your application he will decide how the matter should be resolved.

[eileen58]

Thanks Jowalsy,

 

That was just what I was looking for, thanks for replying. I will now do as you say.

 

Thanks Eileen:)

[eileen58]

Well that's the letters away to experian and the finance company, so we will see how I get on.

 

Thanks for the help.

 

Eileen