Mistaken identity has ruined my credit report for a 3rd time !!!

[Luco19]

Can i SAR a CRA.

 

 

 

I dont just want my credit report i want to know all of the information and conversations they have been having with the companies involved in my disputes.

 

 

Thanks.

[BankFodder]

Yes

[Luco19]

Thanks.

 

 

Can someone link me to the sar thread stated in Bankfodders sar template, ive looked all over but cant seem to find it.

 

 

Also is there elsewhere i can find the Data Protection Public Register as it does not work on the ico site.

 

 

 

thanks again.

Edited May 29, 2018 by Luco19
extra question

[dx100uk]

Click it! Sar

[AndyOrch]

Thanks.

 

 

Can someone link me to the sar thread stated in Bankfodders sar template, ive looked all over but cant seem to find it.

 

 

 

 

 

 

thanks again.

 

In my post #97 posted 25th May

[Luco19]

In my post #97 posted 25th May

 

 

Thanks. I was trying to find post 3 i think from DX but looks like it may have just been a typo as its been changed to #2.

 

 

I just didnt know if i was in the right place or not.

[dx100uk]

its now post 2 in the sar

[Luco19]

Hi, just to give a quick update, i spoke to the ico today and the complaint i raised with them they have done nothing with as yet as they say they are running about 4 weeks behind so i should hear from them in about 4 weeks time.

 

 

I have drafted all of my SAR requests ready to go, unfortunately the public register is down at the moment so i dont know how i could find out email addresses to send them so might just be the case of sending them all by recorded delivery, ill do a little more digging for emails on there websites.

 

 

Also a question as to 2 of the companies on my credit file, which i beleive are DCAs. They have placed the defaults on my report, however i dont know what the debts/defaults are for, Do i ring them to find out or do i send a SAR to them aslo.

 

 

If i do send my SARs by recorded delivery can i request they respond to me by email instead of waiting for a posted reply.

 

 

 

Thanks.

[BankFodder]

Whatever it takes to get them off quickly. Send them by recorded delivery and then send them email copies when you get the addresses.

 

They will have to respond to you on paper because the disclosure will contain paper records. If you're talking about an acknowledgement then put your email address in the letter – but I can imagine that they won't bother to read it.

[Luco19]

Received reply off call credit this afternoon asking for my ID which is not a problem , however they have also attached there form which states at the bottom " We cannot process your request unless you have signed both pages", this reads to me as if they are forcing me to use there form in order for them to proceed with my SAR.

 

 

Should i fill out the form or should i email them telling them that i do not have to use any form and my letter in writing will suffice ?

 

 

Thanks.

[BankFodder]

I suppose because you want to get underway, you should simply go ahead and comply. However, you obviously signed your original request and so what they are doing is a breach of GDPR. You can usefully attach a letter telling them that as you have provided evidence of ID and you have already signed request, that there additional requirement is an obstacle which you are going to report to the ICO.

 

Only bother to say this if you intend to do it. Then if I were you I would get onto the ICO website and make a complaint. In view of the problems you have with them, I think it would be a very good idea to start laying down complaints at every opportunity. I think in the end it will help you if you are able to show that they are serial breachers.

 

He is the ICO complaints form: –

 

personal-information-complaints-form.doc

[Luco19]

Thank you. I will be making an in depth complaint against them at a later date so i will comply with there form for now until i get what i need and proceed from there.

 

 

Thanks again.

[Luco19]

My next hurdle if someone can help please. Received responce from company that added the wrongful CCJ to my credit report, they require to know if i am a customer, and what dealings i have had with them etc.

 

 

They also want address at time of agreement and agreement numbers.

 

 

Obviously i have none of these as the account is not mine.

 

 

Is my next course of action to email them back stating i have never had an account with them etc but they are sharing my information with CRAs and adding CCJs to my credit report so i want to know all information they have on me and where they obtained it ?

 

 

Thanks

[BankFodder]

Yes, it's obviously not going to be easy.

 

I think your main objective here is to get hold of the data they hold so I suggest that you give all the answers which are needed to produce the data - even if they are not strictly accurate. You are dealing with a serious problem here and I think you are completely justified.

 

Later on you can try make another GDPR request and give them the correct information and see if they refuse.

[Luco19]

Ok thanks.

 

 

Ive sent back a response to them, will see what they come back with.

[Luco19]

Received SAR from Experian, got credit report and a form to fill in asking for what information i wanted.

 

I filled form out this morning and replied along with a short email asking , "As part of my SAR i also want all correspondance between Experian and the companies stated in my email dated xx/xx/xx.

 

Received a reply and this is exactly what there reply was

 

"With regards to the information exchanges between Experian and 3rd party companies, the information is contained within the previous searches part of your statutory report that you have already received and within the comparison data sets in the additional information you could request."

 

All a previous search shows is company name, date, reason for search e.g Application.

 

Am i right in thinking that they are saying they can not disclose information discussed about me between themselves and the company ??

 

I want to know what has been said when i have made my complaint and try to get to the bottom of who has made the mistake.

 

Also on my credit report section linked addresses, when the mistake was made it stated O2 were responsible for the link, this new report now states Experian is the source of the link ??

 

Thanks.

[ericsbrother]

they are just the monkey, you have to go after the organ grinder from now on. use what you have to show who has been placing incorrect data on your credit files so they cant wriggle out of it and say that as it ISNT your data you cant have a copy

[Luco19]

Hi all, just wanted to let you know where we are upto and what im doing in regards to this matter.

 

ive received back letters from 6 companies requesting what information i want/along with information i do not have e.g account numbers,previous addresses etc to fulfill my SAR requests, to put it quite bluntly im pretty much spitting in the wind.

 

Nearly every company so far either by written letter or emails i have sent are coming back stating they have no records of me with the information i have provided, name, DOB, address etc. This for me quite clearly points all fingers at Call Credit for there monumentous mess up.

 

To recap, O2 linked an account with myself for this other person, in turn linking his address.

Along with these linked address came 14 other accounts that were not mine.

Call Credit stated that all information added to my report is the companies doing.

 

They are telling me that in a single day 14 companies added their accounts/defaults/CCJs to my report , but yet when i challenged them they tried to contact O2, because O2 did not get back to them within 28 days they removed the account from my report (for the time being they say).

 

However miraculously ALL of the accounts from different lenders were also removed,

NOW if it is the lenders that MUST give permission for a CRA to remove data from a report then id be astonished if they all gave there permission to remove the data from my report.

 

I think what has happened is 1 account has been linked and Call Credit have messed up merging all of mine and this other persons information together.

 

Id like to thank all of you that have contributed to helping me, unfortunately it seems that they have won and theres pretty much nothing i can do about it, ill have to try a different avenue to go down to try and resolve the matter.

 

Thanks again for your help and fingers crossed sometime in the future i get this sorted.

 

Luco19

Edited June 13, 2018 by dx100uk
swearing removed - dx

[Luco19]

Received SAR back from one company so far, none of the information relates to me or my address but for the other person beleived to be me.

 

 

I now have full details of why a CCJ was made , full bank details, drivers licence etc for this other person.

 

 

Looking to get solicitors involved but unsure of what kind of solicitor i require or if there is any kind of specialised service i could use, or to try and solve the matter myself.

 

 

I will be getting the relevant authorities involved but while that is happening i want to bring the company to book for ruining my credit report with the CCJ they issued against me in fault.

[BankFodder]

Great. This is exactly the kind of stuff you want. How many more SARs are you waiting for? When other deadlines?

 

I'm afraid you won't find any kind a solicitor whose prepared or qualified to do this unless you spend a great deal of money and getting some commercial lawyer who charges hundred pounds per hour.

 

I'm sure that this can be done yourself with our help. Also, you will be able to cut to the chase whereas a lawyer will want to start getting involved in loads of correspondence and it will cost money.

[Luco19]

All SARS are due by the 6/7/18.

 

 

So far i have had the SAR from the one stated above and my SAR from Experian(although Experian wont give me all of the information i have requested).

 

 

I have 3 companies that have replied and passed it onto there relevant dept.

 

 

I have received replys from 3 companies stating they have no record of me on there files. (have no information to give them to generate a report from them).

 

 

I have had a reply from 1 stating they need 90 days to fulfill my request.

 

 

I have 5 requests that have not been acknowledged at all.

[BankFodder]

Which company has said they need 90 days? Have they given any reason?

[Luco19]

The Halifax bank have requested 90 days due to having to sort so much information.

[BankFodder]

I suggest that you begin an immediate complaint to the ICO. 90 days is excessive. I'm sure the ICO will not find in your favour – but you may as well get the complaint in, at least for the record.

 

I think this is a good indication of the crappy attitude that the banks are going to take in respect of this – and I can't imagine that the ICO isn't going to express sympathy for you.

 

It's nonsense. They have computer systems they should be able to link everything together without any problem. Complain to the ICO immediately.

[citizenB]

Broadly this:

 

Please see the attached letter from Experian.

 

You will notice that Experian acknowledges that there are at least two correct entries relating to me on their database and yet they refuse to remove them and in justification they say that they are unable to do so without permission from their subscribers.

 

Experience position is effectively that despite the fact that they recognise that my personal dataicon has been unlawfully processed and therefore is included in their database unlawfully, any statutory duties they might have in relation to my data rights under the data protection act are subordinate to the contractual agreement which they have with their subscribers.

 

This cannot be correct. I do not accept that it is possible for my legal rights to exist subject to some overriding third-party contract.

 

This is the basis of my complaint. Even if the Information Commissioner is not able to order the immediate removal of the inaccurate data, I require an opinion that Experian is in breach of a supervening statutory duty.

 

I don't think you need to put any more than that. The complaint is obvious from the Experian letter and the commentary which I have suggested above.

 

I don't think you need to tell your life story. I think it all speaks for itself and the less you say, the more dignified and the more powerful is your complaint.

 

You don't need to worry about filling all the bits of their form. That is really intended for people who can't normally express themselves very coherently.

 

Most the information you need to give Experian is contained in the letter.

 

Should the drafted text read there are at least 2 INcorrect entries on their data base which they refuse to remove ??