EXPERIAN... The final battle commences

[tifo]

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)©(i) should be reported as a breach by the Data Controller to the ICO.

 

You should also check with the ICO (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)© 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:confused:? 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 ICO.... dont let them deprive you of your proof of defamation for another 5 to 6 months while you refuse and argue with the ICO.

 

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

[foolishgirl]

IMO this is what comes of letting CRAs who have no legal status deal with personal information. And what recourse do we, the consumers, have? Not a lot.

Sounds like a case for the Information Commissioner with an amazing amount of compensation!! Good luck...

[Dipply75]

Oh I agree foolishgirl! sorry finlander, will start my own thread but just to highlight the 'law unto themselves' attitude and a shining example of their automated system and the shocking lack of security is has.

 

I also have a lovely example of them doing feck all checks on disputed account but telling me they did - hard proof on that one.

 

So if you ever need general hard evidence of their lack of procedure, security or complaince with DPA, just leme know and I will give you all I have. (Have calmed down a touch)

 

ICO says complain in writing, especially highlighting the possibility of ID fraud, and give them 28 days. Then go back to the ICO - so will do!

 

Happy hunting Finalnder

[2Grumpy]

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".

 

 

Surely the answer is nearly always "because I can"

 

Presumably if you mention debt they will set DCAs / loan companies on to you

[tifo]

Presumably if you mention debt they will set DCAs / loan companies on to you

 

They're already after me years ago. I sorted them all out last year, though i get threatograms all the time. No CCA compliance, no payment, they've been told. So take me to court. Please.

 

There's no-one i'm hiding from.

[ODC]

Presumably if you mention debt they will set DCAs / loan companies on to you

Any new snippet of info is passed immediately on to their grubby little friends. I intend proving this in the near future by putting down a mobile number that only Experian will have (I have a few anonymous sim cards;)). I will sit back to see how many of the DCAs start ringing me on it.

[Dipply75]

Excellent! PMSL

[citizenB]

Any new snippet of info is passed immediately on to their grubby little friends. I intend proving this in the near future by putting down a mobile number that only Experian will have (I have a few anonymous sim cards;)). I will sit back to see how many of the DCAs start ringing me on it.

 

 

Nice one. An idea I will use myself.

[finlander]

:)......

 

Its arrived...... first response from Experian....

 

Lets dissect it....

 

1. its address to me and the wife and headed... Yourself-V-Experian ltd.

(very formal)

 

2. It notes my letter was sent to the Company Secretary (seems to have made a stir)

 

3. States that 'this is the first time you have raised these concerns' (getting a bit defensive there and sounds a bit worried)

 

4. states they have put a dispute notice against all entries on the disputed accounts and have raised queeries with all lenders concerned (sounds standard and what the plan expected)

 

5. is signed by ... Now get this... sounds very impressive:cool:

 

Andrew Mills - Head of intellectual property and litigation, solicitor and european trade mark attorney... (ohhh get you)

 

OK... well thats what we expected....

 

Now the next bit of the theatre is when they write and tell me they have verified the info put on by the lenders but have added a correction notice.

 

My plan is to ask for a copy of all the info the lenders have sent in order to see what their enquires revealed...

 

IF they refuse... ICO.. then court,.....

 

OK anyone heard of Mr Mills? lets keep a record on here of the employees who write and their tactics and share... bit like they do really...

[finlander]

look what I found...

 

Justgiving - Andrew Mills - Fundraising Page

 

good old andrew ... helping those in need... experian gave him £250....

[finlander]

and this from IPrisk.com

 

Andrew Mills, Head of Intellectual Property & Litigation, Experian Limited

 

Andrew is a solicitor and European trade mark attorney and Head of Intellectual Property & Litigation with Experian Limited, a global business that provides consumers, businesses and the public sector with information and analysis to help them make important decisions.

 

Before joining Experian in November 2007, Andrew was a partner and led the intellectual property & technology team at solicitors Freeth Cartwright LLP where, amongst other clients, he had advised Experian for 13 years. He was the founder of Freeth Cartwright's IMPACT blog and gets his fascination with technology from his background in electronic engineering.

He is a committee member for two committees of the European Communities Trademark Association.

 

Andrew's current role is a new one and he is currently focusing on brand protection in all its legal aspects, from trademark registration to dealing with domain name disputes. Whilst litigation is not heavily demanding of his time, he is seeking to evaluate and minimise the risks facing the business that present themselves in the form of litigation.

[finlander]

Now all this tells me that Andrew Knows alot about trademark and domain disputes but doesn't mention anything about defamation law?...

 

Im not so impressed now... I appear to have been passed of on a geek....

[finlander]

'Don't forget the vaseline for your raspberries. Good luck Millsy '

 

MILLSY!!!!! oh my god I have wandered into a edition of LA LAW..

 

the MILLSTER..lol..... but that link is quite good... Justgiving - Andrew Mills - Fundraising Page

 

wonder how many of these nice people posting for MILLSY work for Experian... might check...

[finlander]

WELL.. LETS SEE.. Nicola hart does...

 

Nicola Hart - LinkedIn

[finlander]

she used to work for stapltons tyres... wonder if she can set me up with some cheap boots for the BMW... ?

[finlander]

kike roas works for experian 'automated property valuation service'... lovely...

[finlander]

and Nick Pompa... is ......

 

Nick Pompa, Experion Micromarketing Division, Experian, Seward, NE in Spoke's business directory

[finlander]

good this isn't it... I feel like the Millsy's friends are mine as well now... gives me a warm feeling....

 

so if you need some tyres, your hard drive mended of Mike to value your house without looking at it... just write the Millsy......

[finlander]

If your enemy is secure at all points, be prepared for him. If he is in superior strength, evade him. If your opponent is temperamental, seek to irritate him. Pretend to be weak, that he may grow arrogant. If he is taking his ease, give him no rest. If his forces are united, separate them. If sovereign and subject are in accord, put division between them. Attack him where he is unprepared, appear where you are not expected.

 

Sun Tzu 'The art of war'

[Dipply75]

Are you looking forward to this fight by any chance

 

There is a thread started in 2006 that you could maybe have a look through as there were contributions from a JamesJ from Experian (at the time was Consumer Affairs Manager and UK spokesperson) who attempted to explain how Experian were right and wonderful and put folk off from going legal etc - he made some very definite quotes about how they do business, checks they do etc. and some assertions about the accuracy of their reports.

 

Might be useful - http://www.consumeractiongroup.co.uk/forum/legalities/26275-credit-ref-agency-reply.html

 

If you get any reply about what the lenders actually sent (feck all lol) I will be very interested. I have proof they didn't have/receive/ask for anything for my dispute - yet told me they had!