Incorrect info held on my credit file.

[cjalk2012]

For the past 6/7 years my identity/credit file has been crossed over with a girl with the same name, date of birth etc. For years I've been mithered with debtors, baliffs, court summons.. when in fact " that's not me" I have a few times tried to tell people its someone else to be told I'm lying. This has caused huge family rows. Not just that, I've also paid a lot of the debts off.

 

Had my car clamped for her debt and yesterday discovered that I've been paying her court fines out of my family benefits. Examples are : court baliffs came with a warrant for my arrest to take me to court for a t.v licence offence.

 

I had to pay £180 on the spot or go to court. I paid the £180. Also to the sum of £255 & £70 had money deducted each week from my benefits which were police fines for theft.

 

I didn't realise there were 3 credit ref agencies and I can't access my credit file as I always fail verification.

 

Also I fail verification with my bank. Been stopped by the police, can't get any credit whatsoever, car insurance is a nightmare. And this has been like this for years. I was diagnosed with aggrophobea a couple of years ago and have tablets daily to lessen my anxiety with the outside world. I don't open my post, rarely answer the phone and even something as simple as email takes so much effort.

 

This is all to do with yhe debts this lady has to which my life has been crazy. And now finally its come to light that infact it isn't me. The courts where the fines were issued which I've paid confirmed it is a different lady and have issued me a £366 cheque for the money I've paidx for her fines. But this is only the start. I can't get a look at my credit file from any of the 3. Agencies as I fail verification.

 

Sorry for the long (brief) story.

 

Please advise.

Edited February 14, 2014 by citizenB

[citizenB]

Do you know why you are failing verification ??

 

I wonder if it might be worth you writing to the bank and the credit reference agencies. If you explain the problems you are having then maybe they can help.

 

I appreciate that it might take longer, but I dont see any other way round this.

 

The 3 credit agencies are as follows.

 

 

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

 

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

 

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

 

 

 

I have attached below a draft letter for you to send to the Agencies - you need to enclose £2.00, preferably a postal order in order that they dont use the cheque details for data mining !! Send via Recorded delivery post. They have 7 days to comply with your request.

 

 

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