Whose searching my file

[JULI99]

I have several searches on my credit file from banks and credit card companys which I do not recognise.

 

I tackled Experian who said they only publish information they are given and to get onto the Banks or credit card companys.

 

I rang up the banks and credit card companys and none of them have any record of myself or my partner having applied for anything so I asked them to remove the entries. All their replies were the same. Because they had no details of us they could not remove what according to their records wasn't on there in the first place.

 

When I queried these entries again with Experian they wrote to the companies who replied to Experian that the records they held was correct.

 

Please help as I am now recieving spoof emails from these "creditcard companys and banks" asking me to update my account details.

[Guest Old_andrew2018]

bump

[bobbyh99]

Do the searches have entry numbers beginning with "U"?

If they do then they are unrecorded searches and only you and Experian can see them.

 

Some are generated by you or someone you are financially associated with searching sites like comparethemarket.com and places like this and getting quotes! According to Experian they are address and date of birth checks.

 

They fall off after a year!

 

Although, having said all that, I wouldn't trust Experian or any of the others!

 

BobbYH

[JonCris]

Giving information to any of these web based firms, brokers etc: will result in your details being searched against the details on the CRA's GAIN data base (gone away) of known missing delinquent debtors to see if they match in anyway & if they do, no matter how tenuously, the creditor/client of the CRA is informed automatically.

 

This is the principal reason why so many consumers are being chased for debts about which they know nothing

[JULI99]

No they do not begin with U.

 

Some of these have been on my file since 2002 and try as I might I cannot seem to get rid of them. The companys who are on my file say they cannot trace any record of me or my OH having applied for anything and as they have no record of me they say they cannot ask for the records to be adjusted, yet when Experian write to them another department says the records Experian holds are true.

 

I even have letters from some of them saying they have never heard of me and the Experian letters saying everything they've told Experian is true.

 

Go figure!!

[The Plough]

The CRA's have a responsibility to only show accurate information and if they share anything but accurate information with a third party then they place them selves in a position to be sued.

 

Write to the CRA and request a copy of the agreement or application under which you signed or agreed your express permission to have these entry's against your account.

 

Also advise the CRA that you need the accurate details to request transcripts of the call you " supposedly" made to the companies processing the information.

 

If they can assure the CRA they are legitimate entry's then they must assure you to.

 

Send the CRA letter to the companies and companies letters to the CRA's and so on but don't give up.

[2Grumpy]

From what they say, Experian don't keep anything older than 6 years ... so you could wait a few months & see what happens.

 

Do the searches do you any harm in any way?

 

Send a SAR to Experian. That should show full details of the searches & what the other companys said about the searches.

 

Then choose one of the companies that did a search, send a SAR to them.

 

You will either get the information that you want, or will be in a better position to get the search removed - you could then write to the company enclosing a copy of the relevant part of the experian report, saying remove this or provide the information that you suppressed from my SAR, and to Experian to say remove it because the company said they had no record of me in response to a SAR

 

Of course you still might get nowhere because Experian are always right and always follow the DPA and all advice from the IC to the letter.

[JonCris]

Also in your S.A.R - (Subject Access Request) request a copy of their computer audit trail. This will show just who has excessed your file even if unrecorded