I've tried searching the CAG library for any references to delinquent accounts but haven't found any. Am I right in assuming that in Law, either under the Consumer Credit Act or any other, there is no such thing as a delinquent account?

Yes I think so too CitizenB. But before I take it up with them I'd like to know as much as I can about delinquent accounts, and was hoping there was someone out there who would know?

Hi James], Yes that info is the same as Experian Explained. Though they didn't say it was an active account that was in arrears. However until I know to which account they refer, I can't take the matter up with the lender. Also, would you know if in Law they are able to flag an account as delinquent, or whether such a status is covered in any way under the Consumer Credit Act etc please? As far as I know I've been unable to find any reference, and question what right they have to use my data this way.

Thanks CitizenB. Do you know of any reference to 'delinquent accounts' in either the Consumer Credit Act or any other Act? As I believe if there isn't a mention, then it's illegal to use my data in this way. Especially as Experian have advised that it is their system that calculates the 'delinquent' status based on payment history.

I've instigated a complaint with Experian because my credit report shows that I have one delinquent account, but doesn't tell me which account it refers to. Information I believe I am entitled to have access to. That's the background. I wondered whether I'd be able to challenge Experian on whether their holding information that regards an account as 'delinquent', is legal? As I've unable to find anything under the Consumer Credit Act that allows an account to be marked as such, and Experian have advised that their computer systems calculate the 'delinquent' status rather than have it provided by the lenders, I wondered what right in Law they have to use my data in this way? Many thanks