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Credit File Question - Removal of fraudulent default


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Hiya all,

 

A few months ago I came to the realisation that a number of loans/ credit cards had been set up in my name :jaw:

 

Now first things first I should have been checking my credit file and never done that before until I got a letter from a debt collection agency ( at my new address ) contacting me to say that a default has been issued against me for a credit card company ( Santander ) - now I have never ever had a credit card in my life

 

I have checked my credit file and have noticed amongst a lot of applications 9 similar successes for different companies

 

I have written to the companies advising these were fraudulent and have had responses from some of them and have got a police ref number from Action Fraud

 

My question is how do I get these removed from my credit file? Do I write to the credit file companies advising or to the original companies to get them removed?

 

Is there a timescale in doing this?

 

Many thanks

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Hi and welcome to CAG. Sorry you were missed

 

I'm afraid you are going to have to contact all the names on your credit file and tell them of the fraudulent activity. Once they accept that it is fraud, all traces should be removed from your credit file.

 

Any debt collector writing or calling, you need to get them to place all collection activity on hold until investigations are complete.

 

You may also contact the credit reference agency and dispute the debts as well.

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