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Transunion showing wrong and historic financial linking to my EX


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Good afternoon. 

 

Full background. 

I used to be in a relationship with someone, her name isn't relevant so I'll call her Brian for the sake of this post.

We owned a house together and she was added to my bank account making it a joint account. At some point we separated,

 

in 2016 the property was sold, our finances separated, we went into the relevant banks and filled in the forms, my joint accounts reverted to sole ownership in my name and we parted ways. At no point were any of our finances ever in arrears, no payments missed, no defaults etc etc, Since 2016 we have had no contact, last I heard she was living on a canal boat somewhere in Norfolk. I have no address or contact number for her.

 

Fast forwards to today.

I'm self employed and I'm trying to improve my credit score a little and I subscribed to checkmyfile to see if I can work out what's dragging my score down, and I discover that Transunion has a financial association with Brian and when I move the sliding scale thing to see how this is affecting my credit score with transunion, it makes a HUGE difference. 

Clearly this is an error, I have no financial links with her at all and have not since we parted ways in 2016.

 

I also create a Credit karma account as this is specifically a transunion report, and it's also reported there. Transunion states it is a Barclays account. I have never ever had a barclays account. Transunion states the account association originated on the 1 September 2012 and was then later confirmed on the 6 Feb 2010. No that's not a typo on my part, unless transunion have a time machine that can confirm a financial association on an account that doesn't exist two years before it was created, then something is obviously wrong.

 

I raised a dispute with transunion and the information I got back is that this entry relates to an account number that is a nationwide account, which is one of my two current accounts with nationwide that I use and that nationwide are reporting it as a joint account and so the dispute is rejected as the information is correct.

 

I've been to nationwide. I've spent around two hours in the branch with some very helpful staff who have scratched their heads to get to the bottom of this. 

The upshot is that I have been given:

Screen printouts from the Nationwide account management system (which as a customer I have no access to), showing the account status as sole ownership in my name. Current statement printouts showing the account in my name only. Historic statements showing the account in my name only. A statement of fees for account showing it as sole ownership in my name only. A statement from August 2016 showing the account in joint names with myself and Brian, And a following statement from September 2016 showing that the account has been changed to sole ownership in my name only. All of these supporting documents have been stamped with the branch stamp, dated and signed by the manager lady who spent ages trying to sort this out for me. 

 

After a lot of ringing other departments, she also assured me that this account is not being reported as a joint account, it is on all the systems she is able to check on reported as a sole ownership account in my name only. She said that the information that goes to the credit reference agencies is a data dump taken from the account management system, where it it clearly not reported as a joint account. And that the same data file goes to all the credit agencies, it's also not possible for different data agencies to get different information for the same account, and as Experian and Equifax both report this account correctly, the correct information is leaving their systems and the issue is with Transunion.

 

I have raised a second dispute with transunion and supplied them with all the supporting documents from the bank showing that this account is

A. A nationwide account and not a Barclays account 

B. Categorically not a joint account with Brian and is a sole ownership account in my name

C. The dates are clearly wrong

D. Experience and Equifax report the account correctly

 

And again they have rejected the dispute stating that the account is reported as a joint account and the information they show is correct. I still have a financial association with Brian on a nationwide account that is solely in my name since 2016, is reported as a barclays account with wrong dates that is harming my credit score and transunion refuse to acknowledge all the documentation I have from the bank. I have raised a complaint procedure with nationwide to get it investigated and have not heard back from this yet. 

 

I was going to wait till I get a response from the bank complaint and then contact the bank ombudsman, although I'm not sure if they have any authority over the credit reference  agencies, and the issue seems to be with transunion rather than my bank. 

 

Anyone able to help with this?

 

Despite the latest communication stating that the dispute has been rejected because the account has been updated by Nationwide in Dec 21 as a joint account, the latest Transunion report (Dec 21) still reports it as a Barclays and last reported in September 2012.

 

I've been told that the banking ombudsman doesn't have any jurisdiction over credit reference agencies.

Any advice will be gratefully received.

 

Nick

 

Any suggestions  on what my next step to resolve this will be very gratefully received.

 

Nicholas 

 

 

Edited by dx100uk
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  • 2 weeks later...

Anyone able to help with this?

 

Despite the latest communication stating that the dispute has been rejected because the account has been updated by Nationwide in Dec 21 as a joint account, the latest Transunion report (Dec 21) still reports it as a Barclays and last reported in September 2012.

 

I've been told that the banking ombudsman doesn't have any jurisdiction over credit reference agencies.

Any advice will be gratefully received.

 

Nick

 

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start a complaint with the FOS.

and it might pay you to go contact the ICO too first

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Transunion showing wrong and historic financial linking to my EX

Thank you. I had been told the FOS had no jurisdiction here, but I will start a complaint with them and see what they say. 

ICO. Information commissioners office? I will do that too.

Thanks.

 

Ill update here when I get a response.

 

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go speck to the ICO 1st.

they sometimes can wave a magic wand and give a quick call to whomever and problem gets solved.

 

though i will say, you obviously DID have a financial linking with your EX, the fact TU (credit kalma?) have or are giving the wrong say bank a/c or mortgage details might be immaterial.

 

mine from 2008 still shows, but it certainly has/never had any effect upon my score even though they had/have numerous CCJ's, so are a 'risk' to be associated with to this day.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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