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My Dad has been sent my loan history via Experian


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Good evening everyone,

 

Just had a catch up with my Dad who I haven't seen for two years. Which was nice....

 

Towards the end of the evening, he pulls an e-mail out of his pocket from a loan broker, he says that he's been declined a loan because of me. I looked at him a bit puzzled. On the e-mail shows a number of pay day loans I had in 2012 in my name which he obtained from Experian!!! I was so embarrassed.

 

Surely its a DPA breach if a) he's been linked to me and b) he's been provided with my loan history too!!

 

So I've logged into Experian, there is no record of any search on my credit file in March or April this year at all....so how did that happen?

 

He's not linked to me at all on there. Although his first name is the same as my middle name and part of my last name is his surname.

 

Does anyone have any views on this?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Try Noddle :)

 

Most PDL comps report to Call Credit and its Free through Noddle! :)

 

http://www.noddle.co.uk

 

Remember there are 3 CRAs and they wont all have the same data.

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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It could be that the payday loans were put on your father's credit history.

 

Either way, it's wrong. In your father's case, if he has suffered any loss (eg increased interest rate or lost purchase) then he could make a claim.

 

You should inform the ICO. Your father should demand that these loans be taken off his record.

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What I've done is complain to Experian asking for information as to what happened. Once I'm forearmed we will challenge it fully.

 

Thanks

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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