There's no rush   Have Vanquis replied to the SAR? you did send it didn't you?

Just found another old credit report from 2017 from Equifax .. again nothing. Why do you ask ?   I'm ever so confused, but i'm defo calling up FCA & Credit reference agencies in the morning.. There is no way i'm letting NCO get away with this foul play. I think this is illegal. I'm going to find out tomorrow for sure from the horses mouth

Hi.  Welcome to CAG.   My first thought is how on earth you could have a problem getting off at London station B instead of London station A, as generally the fare is the same from a station outside of London to any station within London.   Indeed a quick search comes up with: Walton-on-Thames > Vauxhall £8.90; Walton-on-Thames > Waterloo £8.90.   So where does the £5.65 ticket come from?  Perhaps this is the problem?    

Ok did you ever access it before 2021?   Wait for the SAR from Vanquis also, unless they have responded yet? you did send it right?

I did it was 27-09-21 but only from Experian and again no trace of Vanquis    And just to let you know that i recently obtained reports from Equifax and TransUnion on the 26/04/22 and Experian on the 27/04/22