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my reply from experian


willy2006
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could someone in the know have a look at this letter,a default i had removed nov 2008 was on my credit file aug 2009 despite me getting a print off for the bank in may 2009 and it wasnt on that,i would like to have a go at this smug bloke thanks in advance,:mad:

 

Thank you for your emails, which we received on 17th and 21st August 2009.

 

I am sorry to hear about the reappearance of the defaulted account with Time Retail Finance that we informed you had been deleted from your credit report in my e-mail dated 24th November 2008.

 

I can assure you that at the time of writing these letters, this account did not appear on your report and would not have been seen by any lenders searching our records throughout this period.

 

Having reviewed this matter, it is apparent that Dell Financial Services did make an online amendment to this account on 20/11/08 resulting in the entry being deleted from your report from 21/11/08 onwards.

 

The company concerned must also delete the record of the account from the monthly tape that they send us which details all the account information they subscribe to Experian. Assuming the account details are removed from the monthly tape submitted to us, the account in question will not re-appear on our records. I believe that this entry was reinstated on your credit report due to Time Retail Finance not removing this from the information that they provide to Experian.

 

I have written to Time Retail Finance to request that this is done as a priority and that they investigate the reasons why this was not completed originally.

 

I have processed a manual amendment to delete this entry from your report. This will ensure that this account does not appear to any lenders searching our records for the next six months. Your report will change in the next seven days. Please use this correspondence if you need proof in the meantime.

 

From reviewing your credit report I note that no company has conducted a credit search in your name since 01/05/2009 and this search is the only search in the last 12 months. At this point the entry had not been reinstated on your credit report and as such would not have influenced this application.

 

I note that you are considering taking legal action including Experian and I would strongly recommend that you seek independent legal advice before doing so.

 

We have received several similar court claims and have been successful in having these struck out, as the cases were deemed to have no legal merit with regards to a claim against Experian.

 

This is because, in each case, we have been able to demonstrate that we have complied with the relevant legislation at all times. Consequently, the claimant has been left to pursue their claim directly against the company with whom they have a dispute regarding the data recorded on their credit report.

 

I therefore recommend that you review your legal position prior to proceeding with your claim. You may wish to consult with the Information Commissioner's Office in order to obtain an unbiased opinion.

 

Kind regards

 

Simon Malbon

Consultant Consumer Service Officer

 

Customer Support Centre

MBNA £250 bank charges refunded.:lol:

MBNA claimed £2700 in PPI:lol:

MBNA default removed.

WESCOT balance written off no cca.

WESCOT default removed.

TIME RETAIL.default removed.

LLOYDS TSB.£150 charges refunded

MINT £220 charges refunded.

currently 4 in dispute unenforcible agreements.

HFOS ordered to remove default

YORKSHIRE paid token £200 PPI going now for full £600

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I can tell you now, if you go to the ICO and file a complaint against Experian, you will not get a result.

 

In other words, what ever action Experian take in relation to incorrect information on a subjects credit file, it will always satisfy the way in which the ICO intrepret/apply the Data Protection Act 1998.

 

What the letter is also saying, given the information was not seen by any company searching your file, No Harm Done!

 

Spark

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I have processed a manual amendment to delete this entry from your report. This will ensure that this account does not appear to any lenders searching our records for the next six months. Your report will change in the next seven days. Please use this correspondence if you need proof in the meantime.

 

Kind regards

 

Simon Malbon

Consultant Consumer Service Officer

 

Customer Support Centre

 

IN the past they have always said that only the OC can amend the credit file.

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IN the past they have always said that only the OC can amend the credit file.

 

Exactley, but if theres a chance Experian may be held responsible for a case of Libel, they will amend, change or delete data. They removed searches from my wifes file, even though 1st time round they refused to do so.

 

Its a no win situation for the punter, and they know it :)

 

Spark1

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