callcredit have mixed up a search and given out my details

[ericsbrother]

A slightly unusual circumstance but there are a couple of footprints on my credit file that have nothing to do with me and Callcredit refuse to remove. i have spent hours trying to discover what is going on and now it appears that a search was done because a credit agreement was signed by a person whose name was misread by one of these third party middlemen that CRA's allow access to their databases and my information was given out instead of the intended subject.

 

Now, having complained to callcredit I receive a reply that I should take up the matter with the originator but when I do, of course they have no information because they were searching for someone else and cant find out who ordered the search and for what purpose etc.

 

The middlemen company has now located the limited data they have and are sending it to me so I can get a feel for what was provided to them by originator and what was sent to Callcredit so I can beat the right person with the DPA and get the ICO involved.

 

The ICO want me to leave it a month to allow Callcredit and originator to sort themselves out but I feel that this is a little too generous as it has been 3 weeks sonce I raised the matter.

 

Any advice for how to ensure that Callcredit do remove the dodgy footprint and what should I say to the originator as they now have my data and possibly have ostensibly signed me up for credit based upon an incorrect ID sent by Callcredit. middlemen co now being helpful as they are truly in the merde but who is responsible as no checks seen to be carried out by any of the 3 parties.

 

Advice on who to bite and how to force correction would be most welcome.

Edited November 15, 2014 by citizenB
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[BRIGADIER2JCS]

Hi ericsbrother, This is more common than we on CAG if the "search footprint" was for an "unrecorded ID search" for example an insurance quotation the it will not impact on your credit file and is not seen by prospective lenders.

 

 

If however this is " a debt collection/outstanding debt search" then it will impact and be visible to lenders.

 

 

The way to deal with this is a formal complaint to the CRA (maybe more than one agency searched) addressed to the Data Controller, the same letter to the originator.

[ericsbrother]

one was for a loan agreement so you would have thought that someone would have picked up the different name and most likely other details as well.

I suspect that the CRA has misapplied the data and things arent as bad as they could be buy why do they refuse to correct it when this is pointed out-like the DVLA they believe that they are infallible.

[BRIGADIER2JCS]

If this has been raised with customer (dis) service then there is little hope of getting anything done, all thy have is the company script which mainly consists of " computer says NO".