Death Threat on Noddle Report

[Old Cogger]

ps if it was a hacker let us know. i,m sure he can also remove stuff as well

 

yes let us know him.

[Mawey]

ps if it was a hacker let us know. i,m sure he can also remove stuff as well

 

yes let us know him.

 

 

From speaking to the police officer, there not insinuating it's a hacker, there trying to suggest that it was me that updated the details from my login page.

 

The police have asked for evidence of the change of details as he has informed them that he cannot just go on their word, he has asked for a database access recordand email records.

 

The police have had my permission to check my email records and contact my isp both at home and at work as I have nouthing to hide.

 

They won't be able to produce any of the evidence the police have requested to confirm their defence as unlike their trying to get the police to believe I didn't threaten myself.

 

At the moment I haven't done a SAR as if they can go as far to lie to the police then its not as if there going to give me the evidence I need to proove it was them. I have also asked that they contact me in writing as I don't have the option to record telephones calls.

[Mawey]

Noddle / Callcredit Have recieved a response from Active securities - and as thought eariler there going down the route of it him not us...

(I've disguised my name, but they hid the ip address so I still don't have it)

 

 

 

Dear Mr ****

Thank you for your email.

I would like to take this opportunity to apologise for the delay in a response after my acknowledgement. It was essential that I discussed this case with Active Securities to find out how this error had occurred.

I have now received a response from Active Securities who have advised us of the following:

“Having investigated the account we can see that Mr ****** address was indeed changed. The change occurred at 13:44 on the 4th November. The change was not made at Active Securities, by our systems or by any of our staff members. The change was made from a Manchester IP address **.**.***.***. The IP address here is dynamic and as such the ISP should have records of what IP address links to what address at what time.

During the session Mr ***** account was accessed using the username and password Mr ***** set when he set up the account.

We have advised Mr ***** to change the password on his account and his original address details have been restored.”

 

As we receive updates from lenders on a monthly basis, the change to your address as presented by Active Securities will not change on our systems until the next update has been received. We are due an update from Active Securities within the next few days and I will contact you once this has been received and is reflected on your credit report.

 

I note in your most recent correspondence that you are requesting evidence of the reasonable steps taken by Callcredit to ensure the accuracy of the data we receive. I can confirm that Callcredit takes its role as a custodian of your data very seriously, and takes considerable steps to ensure the information which appears on your credit file is accurate, up-to-data, and pertains only to data about you. That said, part of our role as a Credit Reference Agency is to present information to the consumer as it is presented to us by the lender. For example, if Bank Z tells us a consumer is 2 payments behind on their loan, we will display this information on your file, as we believe this is a matter between the Bank and the consumer, about which we will have no detail, or any reason to challenge.

 

As an extension of this, when we process the data we receive about you from different sources, we will hold that under the what we believe to be the correct address for you. This is displayed at the top of your report. I understand you recognise this to be your correct address. However, in addition to this, we believe you have a right to see the information as it is presented to us in each case by each lender – this is displayed as part of each credit account entry. We do not amend these in any way – they are presented on the file as passed to us, for information to the consumer.

 

With regards to your Noddle account, the Noddle service allows your report to be refreshed every 30 days; as a result, the display of your report on the Noddle service is still showing the inappropriate entry. It appears that your last report was requested on 22.01.2013 therefore you could have requested a new report on 22.02.2013. After discussing your case with Noddle, they have amended your account and if you log into your account, you will be able to request a new credit report. This will allow you to see that the account is currently suppressed.

 

I trust this information is of assistance, however please do not hesitate to contact me if you have any further questions.

[renegadeimp]

Looks like the dca is trying to cover their tracks. What i dont understand is why theyre taking the dcas word and not performing their own investigation.

[queensclose]

now i am lost here

 

are they saying the user name and password you set up with payday loans the same as the user name and password they use to update credit files. are they saying your the hacker. if so why have they not called the police?

[Mawey]

now i am lost here

 

are they saying the user name and password you set up with payday loans the same as the user name and password they use to update credit files. are they saying your the hacker. if so why have they not called the police?

 

I'll try to explain as it is getting a little confusing

 

 

What the Payday loan company is saying

The payday loan company is saying that someone logged into the payday loan account and update the details (basically I logged in and changed the info)

 

Credit Ref Agency

There saying there not responsible for the information inputted on to credit reports as there uploaded by the companys and it is presented to me as the company uploaded it.Although they say they "takes considerable steps to ensure the information which appears on your credit file is accurate" they have not confirmed what these steps are when I asked as they previously told me " we believe it would constitute a disproportionate effort on our part to have to check the validity of each data item against contracted terms and conditions."

 

As someone posted it seems like there taking the word of the company, because they gave them an ip address?

[BRIGADIER2JCS]

Have they actually given the ''Manchester IP address????

[queensclose]

right

as i see it they saying you logged on using your user account and changed mr j bloggs

11 ahouse road

atown

acity

apost

to

mr bloggs

you are dead etc

 

and the data controller responsible for the accuracy of all data shared updated the credit file

 

gee what a smoke screen

[dx100uk]

urm..

 

just a point

 

ALL your debts would show that address if YOU changed it!!

 

dx

[Mawey]

Have they actually given the ''Manchester IP address????

 

 

No, they carn't give it to me quoted "Data Protection"

 

 

right

as i see it they saying you logged on using your user account and changed mr j bloggs

11 ahouse road

atown

acity

apost

to

mr bloggs

you are dead etc

 

and the data controller responsible for the accuracy of all data shared updated the credit file

 

gee what a smoke screen

 

Pretty much what there saying

 

 

urm..

 

just a point

 

ALL your debts would show that address if YOU changed it!!

 

dx

No Just the one for that company, you would have to change every account address for each creditor for them all to read the same. Credit agencys don't input the information just store it from the companys

 

 

Don't know where it will go from here, guess Im going to have to wait for an official reply from Active Securities and take it from there...

[dx100uk]

'you' cannot change individual account info

 

 

in fact you cant change anythign on a single account

 

only your global info.

 

thats what i am trying to point out

 

thats a stupid reply from the cra/AS

 

dx

[BRIGADIER2JCS]

You would be able only to change your ''profile'' data nothing else.

[ericsbrother]

The only people who would have access to your online account details and pw's are you and the loan company. Now, we know the police have decided it wasnt you so........

[BRIGADIER2JCS]

So we wait and see what transpires.

[Asbestross]

I'd also like to make a point on here also; if the company are insinuating that an 'individual' accessed their systems from an address in manchester. They're blatently lying.

 

The IP address assigned to an individual PPP session when a router connects to the internet, (apart from checking their ISP's INTERNAL DHCP logs) cannot be traced back to an address or even geographical location. The IP when checked via who.is will purely show the registrants address, or the address of the ISP for that persons connection. The geographical location of that 'user' is completely hidden. (I've worked telecommunications technical support for many years)

 

Secondly with any account involving credit, normally you cannot 'update' your address via their internet portal systematically. So to say that you've personally logged in and made the change yourself is proposterous; think about it logically for a minute. You take a loan, decide you dont want to pay them, so just log in and change it to a fictious address to avoid further contact. All change of addresses on accounts would need to be verified in person, clearly that hasnt happened.

 

This is absolutely horrific, and aside from giving my two pence worth, I would just like to wish you the very best of luck.

 

Will be following with interest!

[Mawey]

Responses

 

Active Securities

 

I will try and get a copy of the letter up from them scanned and posted, but they have basically just said that "It was not them or one of their employees that has changed the information on the account" they said that my account was accessed using my username and password and the address details updated and they have given the police the i.p address that accessed the account. They also advised me that the balance on my account is still outstanding and needs to be paid.

 

Call Credit / Noddle

 

Dear Mr *******

 

I am writing further to your recent complaint regarding the Active Securities account appearing on your credit report.

 

I can confirm that the incorrect address on the account has now been changed to {They have the correct address}. I have now unsuppressed the account and also I have dispatched a complimentary copy of your credit report which confirms that the change has been made. Your credit report should arrive with you within the next few days.

 

I would like to take this opportunity to apologise one again for this error and hope that my previous responses have clarified our position in this matter.

 

I trust this information is of assistance, however please do not hesitate to contact me if you have any further questions.

 

Yours sincerely

 

Customer Relations

My thoughts

 

I get where AS are coming from of course there going to deny it, what company whould want to advertise of threating people. I need to think of my next course of action with them as they have offered no proof to me that it wasn't them or their employees. Why should I just take their word for it?.

 

I'm annoyed at Call credit as they have taken the word of AS, basically they have asked AS if they have done it, they said no it wasn't us so they accept that? They don't claim any responsibility for whats happened using the "not practicible" to check all entrys excuse and although they have said sorry in each email it has still taken 23 days to correct the entry, suppressed or not I could still see it.

 

Any advise on my next course of action?

 

 

p.s. To the kind person at experian who offered to get me my credit files from you for free thank you.

[Mawey]

I'd also like to make a point on here also; if the company are insinuating that an 'individual' accessed their systems from an address in manchester. They're blatently lying.

 

The IP address assigned to an individual PPP session when a router connects to the internet, (apart from checking their ISP's INTERNAL DHCP logs) cannot be traced back to an address or even geographical location. The IP when checked via who.is will purely show the registrants address, or the address of the ISP for that persons connection. The geographical location of that 'user' is completely hidden. (I've worked telecommunications technical support for many years)

 

Secondly with any account involving credit, normally you cannot 'update' your address via their internet portal systematically. So to say that you've personally logged in and made the change yourself is proposterous; think about it logically for a minute. You take a loan, decide you dont want to pay them, so just log in and change it to a fictious address to avoid further contact. All change of addresses on accounts would need to be verified in person, clearly that hasnt happened.

 

This is absolutely horrific, and aside from giving my two pence worth, I would just like to wish you the very best of luck.

 

Will be following with interest!

 

Could you help me out and assist me in drafting a response to AS to distribute their claims about the ip address. I'm not that technically minded, but I do get the change details thing I've not come across a site where you can change your personal details or if you can you get an email saying that they will be looked at by customer services to be change (click here if it wasnt you) type email.

[LaughingGirl]

I'm a bit shocked that they're going down this route, tbh. It's obvious to anyone with half a functioning brain cell that you can't alter or change the details on your own credit report. I'd be on the phone to the Police again at this point, I think.

[BRIGADIER2JCS]

I'm sure the CRA can confirm that you cannot access and change reported details fom a creditor/dca.

 

BTW was any similar entry made on other CRAs?

[Mawey]

I'm sure the CRA can confirm that you cannot access and change reported details fom a creditor/dca.

 

BTW was any similar entry made on other CRAs?

 

 

Not recieved the files yet, although experian have said they will help me to get access to my report from them for free.

 

 

From my understanding so far - you cannot change the details of your credit report and that hasn't been implied.

 

The information was changed on the AS account and this information is uploaded by AS to the credit companys automatically and the reason it shown on my credit report is that CRA don't check the information being uploaded.

[BRIGADIER2JCS]

That's what I thought, so the ''blame'' lays entirely on AS.

[sillygirl1]

I think this clearly shows that Callcredit is not fit for purpose, it is blindly accepting that their customer (AS) are not guilty, neither therefore are they.

 

As for Experian - they long passed their own sell by date - too much data and too much interest in linking everybody to eachother, regardless of how tenuous the links are. As for their customer services - disservice would be a better term. They wanted a load of additional information from me to identify me on their system, despite the fact that I have lived at this address for over 3 years, got bills in my name etc etc - I told them where to go.

 

The whole credit check system needs to go back to the drawing board and drag itself into the 21st century rather than stick at the 1970s concepts it loves so much - that credit should be 'earnt' - how can you earn something you can't get in the first place!

 

I think you now need to formally complain about Callcredit, use their own system against them, and formally complain about AS as they seem unable and unwilling to do anything.

 

I would clearly state that you need the details of their police report as you need this for your complaint, and without that you do not believe that they have gone to the police.. State that there is no Data Protection protocol broken in them given you this as it directly involves you.

[Mawey]

I think this clearly shows that Callcredit is not fit for purpose, it is blindly accepting that their customer (AS) are not guilty, neither therefore are they.

 

As for Experian - they long passed their own sell by date - too much data and too much interest in linking everybody to eachother, regardless of how tenuous the links are. As for their customer services - disservice would be a better term. They wanted a load of additional information from me to identify me on their system, despite the fact that I have lived at this address for over 3 years, got bills in my name etc etc - I told them where to go.

 

The whole credit check system needs to go back to the drawing board and drag itself into the 21st century rather than stick at the 1970s concepts it loves so much - that credit should be 'earnt' - how can you earn something you can't get in the first place!

 

I think you now need to formally complain about Callcredit, use their own system against them, and formally complain about AS as they seem unable and unwilling to do anything.

 

I would clearly state that you need the details of their police report as you need this for your complaint, and without that you do not believe that they have gone to the police.. State that there is no Data Protection protocol broken in them given you this as it directly involves you.

 

 

The above responses are from formal complaints I have have already sent them - those are their answers to my complaints.

 

I suppose I can take it to the next level now as I am unhappy with the investigation and as per their complaints procedures I can take it further... So any assistance with letter writing will be appriciated

[BRIGADIER2JCS]

Why not give the Information Commissioners Office a ring get their take on the case.

[Mawey]

Why not give the Information Commissioners Office a ring get their take on the case.

 

After calling the ICO they don't have the previous phone call on record, but they do remember the phone call and think that the original call wasn't understood hence the poor advice. They asked me to send in an email containing all the information I have so far (which I have now done). They have also deem my case/complaint as "High Priority" due to the nature of it and it will be looked at today.

 

Will keep you advised out any outcomes...