Hi,
I'm hoping someone can offer me some advice.
A few years ago I was the victim of identity theft.
I was made aware of this and checked my credit report,
someone had applied for several credit cards in my name at a previous address.
This had left several defaults on my credit
I made contact with these companies through Experian and all these companies confirmed i had been the victim of identity theft and cleared theses defaults from my credit report.
I also as advised reported this fraud to the police via action fraud.
One of these companies was barclaycard.
I have a letter from barclaycard confirming I did not make an application and any fraudulent spending has been removed from this account. I believed the matter settled.
However I've recently noticed a default on my credit report for £1351.
It had been placed there by Hoist Portfolio holding 2 limited.
I disputed this via experian and was told to call barclaycard fraud team. Which I did,
they confirmed that I did not owe any money and the only record of myself was the fraudulent application previously mentioned.
I then as advised by experian wrote to Hoist Portfolio/Robinson way stating that the date of birth on the default record was incorrect and I was not living at this address at the time the account was created and enclosed a copy of the letter Barclaycard had sent me confirming that i had been a victim of fraud.
A week later i received a letter with a Barclaycard letter head stating that this account had been transferred to HPH2 in October 2015 and all payments shall be paid to HPH2.
This was 3 months after i received a letter from barlcaycard confirming I'd been a victim of fraud.
How do I deal with this?
This is adversely effecting my credit rating?!