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Equifax and 'existing debt' table 1 searches


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It appears that now equifax are going to allow DCAs to do table 1 searches at will, and what's worse will allow them to stay on your record for 2 years.

 

What's an outstanding debt search?

We keep a record of any organisations that have looked at your credit report, in line with the Data Protection Act.

An outstanding debt search means that a company has tried to find you if you've left without clearing your debt.

Depending on how confident the search is, it will show in either the Credit searches or Other searches section of your report. Any company who looks at your credit report will be able to see outstanding debt searches in the Credit searches section, but only you can see the ones in the Other searches section.

Outstanding debt searches stay on your credit report for two years.

 

 

 

 

this is absolutely ridiculous

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Of recent experience I have found that the OFT

and the ICO now seem to believe that it's ok for DCA's to

search Table 1 '' If the DCA is reasonably sure that thet have traced

the correct person for whom they hold an outstanding debt''.

This goes against every effort that CAG has put into try and make the system fairer.

The reasoning is based on ''The 8. Principles of reason and good practice''

The 4th. being that the data processed is accurate.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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but what if the debt is in dispute?

 

how can they be allowed to ruin your credit record for a debt in dispute?

 

e.g while its in dispute they farm it out to 3 or 4 different DCAs and they do the same searches?

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in my case the search is borderline vexatious

 

despite the DCA writing to my current address in 2007, and being served with a CCA request they defaulted on, they did the table 1 search at my previous address in 2010, which will keep a linked address on my record, more than 7 years after I moved out.

 

they have refused point blank to remove it, insisting that I telephone them to discuss matters (and we know how that will turn out)

 

the debt is statute barred, but the default is still on my file, and will drop off in a few months.

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